It's another Q&A edition of Optimal Health Daily, episode 2151, and I'm Dr. Neal, your host of the show.

But unlike our usual Q&A's here, I'm not going to be the one answering your question this time.

Being that today is another bonus Sunday episode, I'm actually going to be sharing a Q&A episode

previously aired on one of our other shows in our network,

Optimal Finance Daily. Our host over there, Diana, takes your questions about personal finance

the same way I take your questions about health, fitness, and nutrition. So, with that,

let's get to Diana's Q&A from Optimal Finance Daily as we optimize your life.

So our first question comes from Robin. She says, I'm on a debt-free journey. I've paid off

everything except my student loans, and I'm working on it now. I'm not sure what to do next. I'm also

working on a three to six month emergency fund. I had so much consumer debt, and now that I don't,

I'm relaxed with spending. I guess I'm struggling with making a plan or goals. I've been listening

to your podcast, which are really helpful and greatly

appreciated. My ultimate goal is financial independence and learning how to live that out. Well, it sounds to

me, Robin, that you do have a goal. It's financial independence. But perhaps you just need to

solidify what that goal really means to you and build

out a plan to get there. It sounds like you had a lot of excitement around your goal of getting

out of consumer debt. And now that you've done that, you're more relaxed with spending because

you're not as committed to your goal of financial independence. Which is understandable. Pursuing financial

independence is essentially everyone's goal, if they ever want to retire one day. It seems like

something you should do because it's something everyone should do. But if you really want to

prioritize this goal, I think you need to have a clear vision of what your

life could look like when you reach financial independence. What is your why of phi? If you're able

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