This episode is brought to you by SmartVestor.

Connect with an investing pro near you at ramsysolutions.com slash smartvester.

Let's get right to the phone.

Seattle, Washington is where we're going to start, and Bill is there.

Bill, how can we help?

Well, thank you so much for taking my call.

Great news is a couple years ago, my wife and I paid off all a little debt,

maybe all debt free, yes.

The bad news is after we did that, we kind of lost a bit of momentum for a couple years and have just kind of

been floating by financially, not going back into debt, but not really keeping a strong budget

or anything like that.

So last month, we decided, you know, we need to get back into the baby steps.

We made a budget.

We've been keeping it pretty good.

But the first of this month, my wife spent all of her fun money on months first,

and we have a vacation coming up at the end of the month where

we don't really have much money in the vacation part of our budget because we just

put it at the budget so the plan was on the vacation we're going to spend mostly fun money

you know that the planes the hotel all of that's been paid for already.

So it's going to be the massages and all that kind of stuff.

And just most is going to be on the beach.

Let me jump in.

...