Laura has a question from Facebook. She says, we're working on steps four and five of the

financial order of operations at the same time.

I'm 44, my husband is 48, and we are behind on retirement.

We have three months of emergency money, but want to grow it while we max out our Roth and

HSA.

We don't want to miss out on the time.

Is this okay?

Yeah, so this one, this one, you know, we try not to leave like a ton of gray, right?

Because when there's gray, like people have a hard time making decisions, but this is a unique

one that we've talked about a little bit in the past and I want to remind you Lord that you're not

alone in this. So a lot of folks say, hey I know that I need to have three to six months of

living expenses and I figured out that really are number six months. We really need six months of living expenses. But man, I hate missing out on that Roth IRA. I hate not doing the HSA. I hate not saving more to my 401k or 403b or 447,

is it okay, can I multitask?

Can I do both things?

And this is the guidance that would generally give,

especially you note you're 44 and 48

and you feel like you're a little behind the curve. I love hearing that you've already got three months of living expenses covered.

Now what I don't know is like how much at risk is your household, meaning are you a one-income household where one spouse works and one spouse

doesn't, or is there a large disparity in income? Meaning if the higher-income earning spouse

lost their job, you guys would be in a really bad place really, really fast,

you have to do that triage to assess how aggressive, how risky is only having three months of living

expenses.

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