Joe, it's been a minute. Welcome back from Europe. Well, thank you. I made it back safely. The Christmas

markets, however, are devastated. I'm gone because I felt like between my mom, my spouse and I,

the GDP of the EU is going to be just fine. You are single-handedly responsible for GDP growth in the

EU.

When you come home with seven of those Christmas market mugs, and you're like, why seven?

Why not one?

But every single one you go to, you're like, oh, that's pretty too.

You know what?

We can just bring these out around the holidays because God knows I love to store crap for 11 months and bring it out for just one.

Well, you've got one mug for every day of the week. That's good. It's like I'm starting my Advent mug collection. I don't know. Beautiful. Well, maybe. Hopefully not. Well, speaking of days of the week, I don't know how to segue that. We've got some great callers today. That has nothing to do with Days of the Week. Welcome to the Afford Anything podcast, the show that knows you can afford anything, not everything. The show covers five pillars, financial psychology, increasing your income, investing, real estate and entrepreneurship. It's double-eye fire. I'm your, Paula Pantt. I trained in economic reporting at

Columbia every other-ish episode, unless Joe's on vacation. I answer questions that come from you,

and I do so with my buddy Joe, who has been absent for a little. He's been, he's been traveling.

I have been. Welcome back. Thank you. I also kept up the dad jokes, though,

just for you. Yeah? So you know what you call a paper airplane that doesn't fly? What?

Stationary. Uh, and with that, we will hear our first question today, which comes from Slade.

Hi, Paula and Joe. This is Slade in Virginia. I have a few details I'd like you to hear to see if you could help guide me into the next steps or some reallocation of my brokerage account.

My wife and I are both 44 years old and have an 11-year-old

daughter. In the next five to seven years, we are both looking to downshift in our careers

or find something that pays much less. We'd like your thoughts on withdrawal order and allocation.

We spend about $115,000 a year. Currently, all of our tax-deferred and tax-free retirement are allocated in about

60% S&P 500 funds, 15% international, 15% small-cap, and about 10% mid-cap. We have about $1 million

in traditional retirement and $370,000 in Roth. We also have about $36,000 in HSA and $75,000 in 529s.

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