Hello, Wineappers. My name is Jesse. We come with another episode of The Wineapp Podcast

where we teach you for rules to help you stop a new paycheck to paycheck, get out of

debt and save more money. I'm going to do an Ask Jesse episode. You can send in questions

to Ask Jesse at Wineapp.com. And yeah, let's just dive in. I've got a question from an

email that goes, I think, by Dimple. Dimple is their name. So, or a nickname, they said

that they listen to the Wineapp Podcasts and binge listened. That's not cool, but they

also enjoy budget nerds. If you often listen to budget nerds, I mean, Ben and Ernie, they're

fantastic. So yeah, you can just, you can really nerd out with those guys. Okay, here's

their question. I'm planning to work part time to fund any bonus experiences that they

want, spa visits, trips to Italy, et cetera. And they want to make sure that their retirement

withdraws, their retiring early, are used for just their normal expenses and my fund money

is only used for the extra. So they're basically saying they're retiring early, which is very

cool. And they're saying, okay, I want to have a budget that's like my normal everyday

stuff. And then I'll work part time, get bonuses, random money comes in, y'all underestimate

how often just money kind of will appear in your life. And that'll fund like kind of

extras the spa that trip to Italy, that kind of thing. So retirement withdraws are just

for like normal everyday spending. Do they, do I recommend having two budgets in Wineapp

and linking the appropriate account to each budget or keeping it all in one budget? They

just want to ensure they say that retirement distributions would be enough to live on

in case I decided to stop working completely. I would do it in one budget and I would just

have different category groups and know which groups were kind of like necessary and

which were these bonus kind of through through extra categories. I would not run two budgets.

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