All right. John's question is up next. It says, is there any general advice on when you get a raise how much is recommended to increase your savings and investing versus a lifestyle increase

So okay so you have some more money coming in is there are you have any

advice or rules of thumb for how to handle that yeah access money all right now we're

talking about raises not bonuses yes and this great. So you have to think about this

logically. What is our standard that we say you should save? We want you to be

saving 25% of your gross income. Well, what you should do with your raise,

I'm going to contend or I'm going to argue,

is dependent upon what you're already doing pre-race, right?

If you're already saving 25% of your gross income and you get

a raise, then to hold the mathematics steady you need to save 25% of that right like that's the way the

math works if you go from you know if you make an X dollars you get a 10,000

raise you just save 25% of the 10,000 raise to keep your savings rate the same.

Now, maybe you're someone who hasn't been saving though.

Maybe you're someone whose savings rate is only like 15, 16, 17%.

Your goal is to try to get to 25%.

I'm going to argue that as you have pay raises,

you may need to save a higher percentage of that pay raise

to get to that 25%. Now let me take it a step back. Let's say that you're

a little bit further out in your career. Let's say that you're in your mid-30s,

late 30s, early 40s, mid 40s, somewhere in that range.

You've done the know your number of course.

You can go out to learn. Monday Guy.com

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