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safety net gen against hard times again because what I don't want is for you to invest this money and then at some point in life have to take it out before you're ready because of emergencies right so for you I think it's going to be so important not only to have an emergency fund but to also keep on stash whatever your out-of-pocket maxes for the year and just to have that there because you know you're going to the doctor you know you're hitting these deductibles and

so that you're not depleting that emergency fund that's there because emergencies are things that are unexpected they're urgent they're things that must be done but the unexpectancy of it is really the key thing of an emergency fund you know that these health issues are going on right so that is something that we can plan for in a sinking fund

so that you're not depleting that emergency fund that's there because emergencies are things that are unexpected they're urgent they're things that must be done but the unexpectancy of it is really the key thing of an emergency fund you know that these health issues are going on right so that is something that we can plan for in a sinking fund

so that you're not depleting that emergency fund that's there because emergencies are things that are unexpected they're urgent they're things that must be done but the unexpectancy of it is really the key thing of an emergency fund you know that these health issues are going on right so that is something that we can plan for in a sinking fund

So think of having that out-of-pocket max there as a sinking fund all the time. And each year, just know that you're replenishing whatever that is. And I don't know if you are in a high-deductible plan or not, but if you have access to an HSA, after you do that Roth IRA, an HSA would be a really great option for you because you know you have these health expenses. Yes.

So think of having that out-of-pocket max there as a sinking fund all the time. And each year, just know that you're replenishing whatever that is. And I don't know if you are in a high-deductible plan or not, but if you have access to an HSA, after you do that Roth IRA, an HSA would be a really great option for you because you know you have these health expenses. Yes.

So think of having that out-of-pocket max there as a sinking fund all the time. And each year, just know that you're replenishing whatever that is. And I don't know if you are in a high-deductible plan or not, but if you have access to an HSA, after you do that Roth IRA, an HSA would be a really great option for you because you know you have these health expenses. Yes.

So if I were you... Go ahead. Sorry, go ahead. No, you ask.

So if I were you... Go ahead. Sorry, go ahead. No, you ask.

So if I were you... Go ahead. Sorry, go ahead. No, you ask.

What are your thoughts about outsourcing to a financial planner? As long as I'm informed, is that something that's kind of equivalent to me managing it on my own?

What are your thoughts about outsourcing to a financial planner? As long as I'm informed, is that something that's kind of equivalent to me managing it on my own?

What are your thoughts about outsourcing to a financial planner? As long as I'm informed, is that something that's kind of equivalent to me managing it on my own?

Yeah, don't think of it as outsourcing. Think of it as something that you're working together with and Ken just mentioned our Ramsey Investing Hub. I'd like you to go over there because you're going to start to see all the different tools that we offer. And off the bat, just for your Roth IRA, you might find that you can pick those four types of mutual funds, right?

Yeah, don't think of it as outsourcing. Think of it as something that you're working together with and Ken just mentioned our Ramsey Investing Hub. I'd like you to go over there because you're going to start to see all the different tools that we offer. And off the bat, just for your Roth IRA, you might find that you can pick those four types of mutual funds, right?

Yeah, don't think of it as outsourcing. Think of it as something that you're working together with and Ken just mentioned our Ramsey Investing Hub. I'd like you to go over there because you're going to start to see all the different tools that we offer. And off the bat, just for your Roth IRA, you might find that you can pick those four types of mutual funds, right?

Growth, growth and income, aggressive growth and international. And you're just taking that 15% of your income and you're putting equal a fourth into each of those different funds. And then as it starts to grow and as you start to plan for the future, you might say, hey, I do need somebody on board to help me plan long term, especially with taxes and things like that.

Growth, growth and income, aggressive growth and international. And you're just taking that 15% of your income and you're putting equal a fourth into each of those different funds. And then as it starts to grow and as you start to plan for the future, you might say, hey, I do need somebody on board to help me plan long term, especially with taxes and things like that.

Growth, growth and income, aggressive growth and international. And you're just taking that 15% of your income and you're putting equal a fourth into each of those different funds. And then as it starts to grow and as you start to plan for the future, you might say, hey, I do need somebody on board to help me plan long term, especially with taxes and things like that.

Yes, hi. Thank you for taking my call. I'm calling with a question slash ask for advice about financial and the relationship aspect of my life. I am with someone for around three years, and... We have a bit of a different approach to money. I also make almost three times more as he does. So I'm trying to navigate that aspect. He's more of a spender, go with the flow type of persona.