This next question is from Katie's number one fan.

It's still trying to get that tumbler.

It says, if I save really well in all three buckets

in my 20s and early 30s, is it OK to start pooling money

out of my after tax to supplement my income and how do I make

sure I don't pull too much out?

I guess this is this is the question.

I'm saving and I'm building and I'm building and I'm building.

Right? Let's think about this prag pragmatically.

I'm saving and I'm building in order that one day my assets can then provide for me.

So I'm going to live off of less than I make so that I can put my money to work for me so that one day my money can

replace for me the living expenses that I need.

Now if I start early in my accumulation life and I start saying okay I'm making my earned income and

what I've been saving I'm now going to start chiseling off a little bit of that

to now subsidize my lifestyle what I am in essence doing now is instead of

saving I am now de-accumulating and I'm also increasing my lifestyle well mathematically

unless you are transitioning into financial

independence, you are now setting yourself up in a scenario that your assets will not be able

to replace the lifestyle that you've become accustomed to because what you don't

want to do is in your 20s and 30s build up the assets.

In your 40s, start spending down the assets and then in your 50s decides you want to leave the workforce and recognize

holy cow I don't have a large enough base of assets to replace the lifestyle of which I've become

...