Chris Harder

Even if your best one went away today, you wouldn't have to change your lifestyle tomorrow because the others could support you.

That's rule number one.

Rule number two was we decided we weren't going to buy anything that's a luxury.

Now, I don't mean the home over your head.

I don't mean the car that gets you to and from work.

I mean the extras, for example, these extra homes or a motor home or a boat or something like that.

We weren't going to buy any of that stuff.

unless we could pay cash for it.

Now, it doesn't mean we do pay cash for it, because that would be wasting the chance at leveraging money right now at 3%, which is basically free money.

But we will not buy something unless we can pay cash for it without changing our future lifestyle.

So that's rule number two that we live by.

And then rule number three is just that we try and pause

And we really try and ask ourselves, is this just something we want for instant gratification?

Or is this something that in two or three years, we really see playing a significant role?

So let's talk about this lake home that we're going to close on soon.

This is not instant gratification.

We already get to go up to Wisconsin every summer.

My mom has a lake home there.

We already keep our boat up there.

So this is not an instant gratification of, oh, it'd be nice to have this.