brought to you by the every dollar app start budgeting for free today so i am curious on your

thoughts on once you've paid off your consumer debt my husband and i are 40 who's been married 15 years

paid off about 150 000 in student loans when we first got married. Wow.

Now we've got three kids, and I'm just sort of looking at how our expenses keep growing every year, a combination of kids, inflation, and lifestyle creep.

And just sort of curious on that balance of, you know, the intensity from where we started our marriage

to the intentionality and how you balance that in a way that's honoring the hard work and being

mindful of the future. Yeah. I think that's a great question. So would you consider yourself

on baby step five, baby step six? What's the plan? Where are you?

Four, five, and six. We still have a balance on our mortgage. Okay. And you're still putting aside for

kids college. Yes. And we're putting aside for kids college. Yeah, I think there's, you, you said all the

right buzzwords, which is at this point, you're moving from intensity to intentionality, what's your right.

And the way that intentionality balances with the idea of, I still want to enjoy my life, at what point does it become quote unquote lifestyle creep?

Because lifestyle creep kind of has this

negative connotation that if I'm increasing my lifestyle too much, I'm putting myself kind of in a

in a red zone or in a place where I'm not being financially smart, right? And so the way I like to think of

it is first off, the reason that we do the baby steps is so that.

And you get to fill in the blank on what the so that is so that I can live in a nicer house,

so that I can travel more so that I can go to more of my kids sports games, whatever the so that is.

Chances are it does cost more because this is a whole money thing, right? And so for me,

where the barrier lies is, as long as I'm doing all of the things that would cause me to be a

financially responsible adult, it's okay for me to increase my income and therefore increase my

lifestyle, right? So for for you you're a baby steps

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