Hello, Wine Embers. My name is Jesse Mekin with another episode of The Wine Am podcast

where we teach you four rules to help you stop if you paycheck to paycheck, you get

out of debt and save more money. Welcome to the new year. Again, I'm going to keep saying

that for a little while. I wanted to do a few ask Jesse's, a few questions that have been

sent in over the break where we didn't do much work as far as at Wine Am goes, but the

questions kept rolling in. So I'll handle a few of these today and then we'll see where

that lands us. I have a little bit of a pile. Steve asked, there a recent subscriber to

Wine Am. Thank you, Steve. And he said, is the goal to have a full month's bills allocated

before you want to seriously start adding to your savings or investments? In other words,

do you want to get a full month ahead before you start saving your funds? And I think

by that, by that, Steve, probably means investing for like the long, long, you know, future,

future, tense type of money because everything's saving in the sense that you're saving up

for the car tires to wear out, you're saving up for the HVAC to break, things like that.

I just bought a new toaster, saved up for that stupid thing. Anyway, okay, Steve. So to

your question, what we're trying to do is not go backward. That's it. We don't want,

we want to do debt prevention before we do debt paydown and we want to do essentially

short term saving before we do long term investing. We don't want you to have to ever

raid your investments for some short term need, like call it, you know, one to two years

out because then you've started, you kind of went backward a little bit and we just, we

try and avoid that. There's something to a steady forward pace that I quite like. It's

a lot like, you know, when you're hiking, sometimes it's easier just to shorten your stride

and keep moving versus, you know, speeding up and taking a break, speeding up, taking

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