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Let's go to Alberta, Canada, and Lara. I hope I'm saying that right.

Hey, yeah, that's right. Oh, good. So, yeah, so me and Lara, I hope I'm saying that right. Hey, yeah, that's right.

Oh, good.

So, yeah, so me and my husband, we're in our mid-30s.

And so my question is, like, we're in a fairly good spot financially, I think, for our age, but I'm not sure.

If we get extra cash, you know, right now, where

should we put it to? Like if we get some inheritance money, a tax return, wage increases,

which I think all of those three things we're expecting this year. What should we do with it?

Well, the simplest answer, and then I'll explain, is filtering it through the baby steps. And so if you have debt, we're going to knock out all the debt first. You get an emergency fund. Let's save that up. Then we're investing 15% of our income. And then simultaneously, beyond the 15%, we can throw some money at our kids' college funds if you have them, and then paying off the house early, and then you can do whatever you want in baby step seven.

And so where are you guys at?

So right now we have an emergency savings fund.

We're good with that.

We, the only debt we have, so it's like no credit card, no payments, no vehicles or anything,

the only we have that mortgage, which right's like no credit card, no payments, no vehicles or anything, only

we have that mortgage, which right now is about four, four, yeah, we're at about 400, okay.

Okay.

And, like, our, our property and our home is worth a million dollars. Obviously, we don't want to sell.

Like, we're not moving. Hopefully we're here for many years. Sure. But you got about 600,000 of equity,

which is great. Sure, yeah. We do have, both have pension plans, like through our jobs. We have

savings. So in Canada, it's like TFSAs, RSPs.

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