Having too much money in investment accounts seems like a good problem to have, but it’s a problem nonetheless. Today we talk to firefighter Nathan and teacher Kristen about their income, expenditures, and investments. Nathan and Kristen own their home and multiple rental properties as well. Collectively they bring in a respectable income, but are being stretched thin due to time restraints. From 24 hour shifts as a firefighter, making cornhole game pieces as a side hustle, and taking overtime, Nathan is working a lot, while Kristen has her hands busy as a remote teacher and taking care of their kids at home. Between the two of them, they’re contributing a generous amount to their investment accounts, but still want a solid emergency fund (or as Scott likes to say a “financial runway”) to help them sleep better at night. Aside from that, they are donating heavily to charity and fostering one child while in the process of adopting another. Although this philanthropic couple has all the right things going for them, they still need some downtime to enjoy the fruits of their labor. In This Episode We Cover How much money to keep in your emergency fund  How to assess whether or not you’re over-contributing to retirement accounts Paying off rental properties for added peace of mind Developing side hustles to bring in even more income Why everyone needs a “financial runway” so their investments can take off Paying down a 457 plan loan Putting yourself in a favorable “liquidity position” And So Much More! Links from the Show BiggerPockets Money Facebook Group BiggerPockets Forums Finance Review Guest Onboarding HSA – The Ultimate Retirement Account - Mad Fientist Challenge Everything! | Budgets Are Sexy Real Estate Investment Calculators - BiggerPockets Mindy's email Scott's email Check the full show notes here: https://www.biggerpockets.com/moneyshow166 Learn more about your ad choices. Visit megaphone.fm/adchoices