Jade Warshaw

And then there's a health problem.

And now they can't travel and they can't enjoy it.

And so there's a great book, too, called Die With Zero.

I don't agree with everything in the book, but the general premise is pretty good of enjoy your money while you're alive and spoil your kids while you're alive and not hoard it until they're in their 60s and you give them a million bucks that they don't need anymore.

That's right.

It's time to live.

So I hope she's listening, Neil, and I hope that helps.

But I would sit down with a professional who can run these actual numbers and show her the truth and show you the guardrails.

Hey, you can spend between this and this and be totally fine.

Even in a worst case scenario, here's where you'd be.

So I hope that helps.

Thomas is in Bentonville, Arkansas.

Thomas, what's your question today?

Oh, wow.

And you want to keep it that way?

You want to keep her at home, keep you working, and let's increase the income so that we can become homeowners instead of continuing to rent?

Yes.

$3,900.

Because right now that means a $1,000 mortgage payment, which as you can imagine, very difficult with today's housing prices and interest rates, which means we need to either save more for the down payment or change the home price, and that's going to take some patience in getting your income up.

So that's what I would be focused on.