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Hi, Ken, George. Thanks for having me. You bet. Boy, you are a bundle of sunshine. How can we help?

Thank you. So, my husband and I have a net worth close to $5 million.

All right, all right.

And for the past 13 years, we've kept a spreadsheet charting every penny.

Wow.

We've spent in various categories so we know how much we need to live on once we retire.

Wow.

You're like George's favorite people.

This is a man.

I want to be Christine when I grow up.

We have $200 to $300,000 in our bank account at all time, and when it builds too high, we transfer

the cash to Fidelity Mutual Friends.

We know where we spend money, philanthropy, travel, and wine, and if anything happens, we

know where to cut back.

We actually eat out less than we

used to before we reached one million net worth. We buy used cars. And my question is, do you

recommend a monthly budget for your baby steps millionaire? I know that's looking out the front

window, and we've been looking out the back window interesting I like this concept

because I think you guys should be buying nicer cars and I think you should be going to really

nice dinners on an on a regular it sounds like you've been too frugal and there's a scarcity mindset

here do you feel like you're spending enough and giving enough and saving enough I just recently

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