Elizabeth Ayoola

Oh, thank you for sharing that, Sean.

And Kim, I want to get to your money story if you have one.

So we're going to put you on the spot, too.

But at what point did you realize, Sean, that, hey, you know, you have this money story?

Yeah.

And just one more thing quickly, I want to say that I love that you pointed out, Sean, is that it's a work in progress, right?

It's not like once you do these affirmations or see a therapist that suddenly all of these money stories disappear.

It takes time to unlearn these things, but at least you're more aware of them.

And I think that's progress in itself.

It goes a long way.

Yep.

What about you, Kim?

I love that you kind of listed out, Kim, the different types of 50-30-20 or 60-20-20 frameworks, because I know I used to feel a lot of shame around spending because I'm like, well, you can afford to save more.

So even though you can save more than 30 percent, maybe 40 or 50.

So it's important to remember that you can save more if that's going to make you more comfortable spending.

Something else that comes to mind, it may be helpful if Michael keeps fun money in a separate account.

Sean is going to love this suggestion.

Yes.

So I think this could be especially helpful for Michael because it can create like a sort of mental and visible separation between their fun money and then that responsible money.

Kim, how can people decide the right amount of fun money that doesn't trigger guilt and helps them achieve financial goals?