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The problem that we're having is my wife and I can't decide if we're in baby steps three, four, five, or six.

And we seem to be moving in and out of those baby steps.

Okay. Tell me more. Well, we make about $320,000 is our household income. We've got two

mortgages, one on our primary home with about $220,000 left to pay on it. And then we

have a rental property that we break even on every month and we've got about $300,000 left on it. Then we have a rental property that we break even on every month, and we've got about

300,000 left on that. We both save for our retirement, and we max that out every year to get the

matching contributions. I have ESPP, along with other investments that I place, and then we have

college funds for our kids.

And the issue is, so my wife manages all the month-to-month, you know, daily checking operations,

and she wants to have the six-month savings in, you know, in a savings account tied to the checking

account. And I keep explaining to her and showing

her that hey we've got all this money elsewhere you know money market funds and um you know stocks and

what's in the money market the money market has about a hundred thousand in there okay would you

say that that's more than six months of expenses? Oh, yeah, definitely.

Okay. And so you're saying she wants money on top of that. It sounds like she just wants a little

slush fund so that if you go over budget, it's all good, right? No, because we do use the

money app and that's working out well. She just wants to have access to it.

Well, I don't know if it's, yeah, I don't know if it's much access.

I just wonder, Jason, because in your head, yeah, there's money there.

But it's kind of attributed to whatever may be needed.

And I think for her, there could be a level of safety of saying, hey, we're going to open up a, you know,

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