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Sarah's up in Phoenix, Arizona.

Sarah, how can we help today?

Thank you so much for taking my call.

You bet.

What's going on?

So I am curious on your thoughts on once you've paid off your consumer debt, my husband and I are 40.

We've been married 15 years, paid off about $150,000 in student loans when we first got married.

Wow.

Now we've got three kids, and I'm just sort of looking at how our expenses keep growing

every year, a combination of kids, inflation, and lifestyle creep.

And just sort of curious on that balance of, you know, the intensity from where we started

our marriage to the intentionality and

how you balance that in a way that's honoring the hard work and being mindful of the future.

Yeah. I think that's a great question. So would you consider yourself on baby step five,

baby step six? What's the plan? Where are you? Four, five, and six. We still have a balance on our mortgage.

Okay, and you're still putting aside for kids college.

Yes, and we're putting aside for kids college.

Yeah, I think there's, you said all the right buzzwords, which is at this point, you're moving from intensity to intentionality,

which you're right. And the way that intentionality balances with the idea of, I still want

to enjoy my life, at what point does it become quote unquote lifestyle creep? Because lifestyle

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