Derek's question is up next.

He says, my income is variable, so how do I make the decision of what my 25% of housing

should be?

Because we say housing expenses shouldn't be more than 25% of your gross income.

For some context, he said in 2020, he made 200K, 2021, 300K, 22, 22, 400K, but he's

not confident that the income will be as good this year based on how things are going.

So how should he think about this?

Man, this one is a really, really tough one, Brian, because here's how we see this manifest

with clients a lot, too.

We'll have a client who says, hey, I work for a tech company and I make $100,000, $150,000

a year, but because I have RSUs that were granted to me a number of years ago, the annual

income I show my tax return is way different than what my salary is.

So I might have $150,000 of RSUs that vest every year.

So when I think about my household income, do I actually make $150,000 or do I make $300,000?

Now, the thought around saving is pretty easy there.

It's easy for me to think about how to get to 25% savings, but some of these other rules

like housing, what guidance and counsel would you give Derek to make sure that he does

stay inside those lines?

Yeah, I mean, I think we're hitting on the same things as I want to know how much your

pay is fixed and how much is variable, because go ahead and stratify those two things.

And then I would, the first, because look, I have clients and technology clients have done

so good for so many years, but then right now it's just been a tough spot for them.

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