Hello, Wine Numbers, my name is Jesse Meekham with another episode of the

Winean podcast and I'm here each week to obsess out loud about spending

purposefully, saving aspirationally, and giving joyfully.

It all comes down to just four simple habits, but today, today it comes down to the fact that I have

not done and asked Jesse in so long since March apparently or something like that is when I've had these

come in so we're just gonna start we got 20 of them don't know how many we'll get through.

Donna asks, I'd love your thoughts on what you'd prioritize,

debt pay down versus getting a month ahead.

I can use a recent windfall to be a month ahead,

or I can make a significant debt dent in my debt. I would get a month ahead or I can make a significant debt

dent in my debt, I would get a month ahead.

I'd pay the minimums and I would just treat the month ahead

like a debt in the sense of, yeah, I'd tackle that one first. The reason is we're trying to create some

resilience in your system. So with Rule 2 you start to look ahead to larger less

frequent expenses and be ready for those. Those are essentially

debt prevention. And then Donna what happens is we add a little bit or somewhat say a lot of

resilience where you have 30 40 50 days whatever maybe you have that

month of distance you know of time between you and really the need to make a decision.

So if something goes down, it's not favorable,

you've got time and maneuver, time to think, time to make a great decision.

And that month ahead improves decision making

tremendously.

...