Elizabeth Ayoola

So then everyone starts planning all these vacations.

So what I'm saying is I get invited to a lot of vacation type of things, you know, resorts, blah, blah, blah, at the beginning of the year from friends and things like that.

So I've had to say no to a couple.

And that happened to me last year as well, because I find the bulk spending kind of just throws my budget, you know, off.

Do you know, I don't know if you guys know a worse feeling than coming back from vacation and looking at your bills and feeling broke.

That's not fun.

So, you know, a vacation can be enjoyable.

Yes, you're living in the moment, spending all that money, but you come back and then your account balances are looking crazy.

I don't like that.

So I think that's your motivation.

That's my motivation.

And also just to remember my long-term goals for the year.

I still want to max out my 401k.

I still want to have enough in my emergency savings and I want to set myself up for success.

So that helps me to just be like, you know,

Oh, that is such a... Actually, hmm.

So let me tell y'all something I've done because I was like, girl, enough is enough.

And remember I said earlier on the pod that I was going to start doing more thinking funds.

Sean, I know you're happy about that.

Opening more accounts.