Kristina Ellis

If you have anybody else who wants to do it with you, that is really helpful.

Having that extra level of accountability is amazing, especially if it's like neighbors who might see you at the grocery store.

If you end up slacking and walking out with a heaping cart.

I know that was big for me, knowing that I was doing it with the Instagram community.

I was like, if I go over budget, somebody will probably see me spending money.

But just knowing that there were other people in the ring with me where it's like, you know, my church or my friends are doing it and we're all in this together and we all want to win together.

That's just also nice to have that accountability to push you.

Well, I'm a little confused by the question because she's saying they're saving for, we're about to start saving for college, but they're not on baby step five yet, right?

So I'm assuming they still have debt.

Well, if you're still in debt, I'm going to encourage you to wait and pay off your debt.

You need to focus on getting yourself out of the hole.

there are other ways for her to pay for her college education.

And y'all need to start focusing on that debt and getting yourselves prepared for retirement and all the other, you know, the first four baby steps.

Now it's a little challenging because she's already 18 and you said she starts in January.

So she probably, I'm assuming already has a vision for where she wants to go.

I'm hoping that vision doesn't include a $50,000 school that she can't afford.

And that's where the conversation is going to get interesting because she's

Have you had these conversations before or is this going to blindside her at this point?

Has she thought all along that mom and dad are gonna pay for my college education and this is gonna be a hard conversation?

And if so, I mean, that's okay.