Caller

That's right. Like if hard times hit, like money's, you know, I'm still even just trying to get like on top of my budget. But yeah, I want to be informed.

That's right. Like if hard times hit, like money's, you know, I'm still even just trying to get like on top of my budget. But yeah, I want to be informed.

That's right. Like if hard times hit, like money's, you know, I'm still even just trying to get like on top of my budget. But yeah, I want to be informed.

Yes, you want to be informed. And let's just go back to what you said right quick. Because, yeah, if you do this three to six months, and in your case, I would do six months because you've got the health issues and you're a single mom. So I would do six months of expenses. And that really should be a good thing.

Yes, you want to be informed. And let's just go back to what you said right quick. Because, yeah, if you do this three to six months, and in your case, I would do six months because you've got the health issues and you're a single mom. So I would do six months of expenses. And that really should be a good thing.

Yes, you want to be informed. And let's just go back to what you said right quick. Because, yeah, if you do this three to six months, and in your case, I would do six months because you've got the health issues and you're a single mom. So I would do six months of expenses. And that really should be a good thing.

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

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

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?