Cheers. Cheers. I'm drinking for two.

Perfect. And I'm not drinking until like 70 days from now. And then I'm going all out.

I'll celebrate with you. Speaking of celebrating, Joe, let's celebrate the fact that you can afford

anything but not everything. Every choice that you make is a trade-off against something else,

our trade-offs fund. And that opens up to questions. What's most important to you? And what are you

willing to shelve or sacrifice in pursuit of what matters most? Answering those questions is a

lifetime practice. That's what we are here for. My name is Paula Pant. I'm the host of the

Afford Anything Podcast. Every other week, ish. We answer questions that come from you, the community.

And my buddy, former financial planner Joe Salcihi joins me to answer these questions. What's up, Joe?

I like the ish. On the end of that. I know. You know, kind of. Kind. I'm rounding the corner in

this fellowship at Columbia. I'm 70 days away from being done. But, oh man, I have- You're excited?

You're excited about taking the ish off that, aren't you? You know, I read this book once, years ago,

a mountain climber who's summited Mount Everest. And he described the moment at which he reached

the peak. He had dreamed of this moment for years, trained for it for years.

Imagining that it would be this moment of glory or pride or at least some type of positive feeling.

But in that moment when he stood at the peak, all he felt was tired, he just did care. He was like,

I made it. Let's go. You know, you did not care. He was too exhausted to care. And when you're climbing

Everest to the true finish is not the peak it's returning to base camp. Yeah, I think it's

often it's months later, right? When you're like, think about what I did. Well, no, it's also,

it's literally physically surviving the descent and making it back to base camp. Oh, yeah, yeah.

Yeah. I think I don't know how many people you've certainly heard my story, but one of my best

friends has done Everest twice. And the way down is really the bigger danger because you're not on

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