Bri (Listener)

I'm like, oh, let's go to the dog park or, oh, let's go check out this festival or those kinds of things. But then I also knew like... It's a big swing to go from spending to nothing. And so one of the other things that I did was I created goals within my job search and decided ahead of time how I was going to reward myself for hitting each of those goals. And those earlier rewards...

are free so like sleep an extra hour or paint your nails or you know just random stuff and those goals that are closer to an actual offer are the ones where I have like spending attached to it so like I have my eye on a new pair of tennis shoes that I really want or a pottery class still very like low cost but that way I have something to look forward to but I don't feel completely constrained on the spending side of things I love that

are free so like sleep an extra hour or paint your nails or you know just random stuff and those goals that are closer to an actual offer are the ones where I have like spending attached to it so like I have my eye on a new pair of tennis shoes that I really want or a pottery class still very like low cost but that way I have something to look forward to but I don't feel completely constrained on the spending side of things I love that

are free so like sleep an extra hour or paint your nails or you know just random stuff and those goals that are closer to an actual offer are the ones where I have like spending attached to it so like I have my eye on a new pair of tennis shoes that I really want or a pottery class still very like low cost but that way I have something to look forward to but I don't feel completely constrained on the spending side of things I love that

This has just been so helpful. I'm wondering when I do land that next job, what's the fastest way to replenish what I used so that if something were to happen again, whether it's job loss or some other financial emergency, I can as quickly as possible be prepared for that.

This has just been so helpful. I'm wondering when I do land that next job, what's the fastest way to replenish what I used so that if something were to happen again, whether it's job loss or some other financial emergency, I can as quickly as possible be prepared for that.

This has just been so helpful. I'm wondering when I do land that next job, what's the fastest way to replenish what I used so that if something were to happen again, whether it's job loss or some other financial emergency, I can as quickly as possible be prepared for that.

Oh, thank you.

Oh, thank you.

Oh, thank you.

Yeah, so this is actually part of the reason why that is like a no-no for me in terms of options. When I mentioned earlier about cashing out is because early in my career, as you all have mentioned, you make decisions that you learn from. And I did cash out a retirement account when I changed jobs.

Yeah, so this is actually part of the reason why that is like a no-no for me in terms of options. When I mentioned earlier about cashing out is because early in my career, as you all have mentioned, you make decisions that you learn from. And I did cash out a retirement account when I changed jobs.

Yeah, so this is actually part of the reason why that is like a no-no for me in terms of options. When I mentioned earlier about cashing out is because early in my career, as you all have mentioned, you make decisions that you learn from. And I did cash out a retirement account when I changed jobs.

And now seeing how much I miss out on because of that choice, it's just like a hard no for me moving forward. And I also have been working really hard to make up that loss. So I still am not at the place where I need to be at my age to have the retirement that I want. The gap isn't so large that I'm freaking out about it anymore. Like it feels very doable and like I can do this.

And now seeing how much I miss out on because of that choice, it's just like a hard no for me moving forward. And I also have been working really hard to make up that loss. So I still am not at the place where I need to be at my age to have the retirement that I want. The gap isn't so large that I'm freaking out about it anymore. Like it feels very doable and like I can do this.

And now seeing how much I miss out on because of that choice, it's just like a hard no for me moving forward. And I also have been working really hard to make up that loss. So I still am not at the place where I need to be at my age to have the retirement that I want. The gap isn't so large that I'm freaking out about it anymore. Like it feels very doable and like I can do this.

I can accomplish this in the time that I have.

I can accomplish this in the time that I have.

I can accomplish this in the time that I have.

That makes a lot of sense. All my previous jobs, I did previously roll them all into one because it was getting too much to take care of. And I also have this assumption that that's a good choice because the larger the balance, the more compound interest over time, I think. But what are the pros of keeping it separated and not rolling it over?