Matt Clark

Buying your time back is one of the best ways to spend your money.

Buying experiences with people you love.

What if you just cut the side hustle for six months and said, I'm not going to do it and I'm going to spend money?

Like, hey, man, you're running this show.

Good for you.

Well, I would have a little dream date with your wife and, you know, buy the apps, buy the desserts, the stuff that makes you feel guilty, and do it without guilt, and then have a little dream date where you go, hey, if we were to spend X amount of money this year, where would we divvy it all out?

Mm-hmm.

And then put it in the budget and go, hey, we decided, remember we pre-decided that we're going to send the money over here and we're going to buy this thing here.

We're going to go on that trip here.

We're going to do it.

So you sort of force yourself to flex that muscle and eventually you'll feel less guilty writing those checks and swiping that card and all of that.

Absolutely amazing.

And one thing to do with that SmartVestor Pro, Charlie, that I think will be helpful is they can walk you through your current withdrawal rate of, hey, you're spending $50,000 a year out of this much of your nest egg.

That's a 1% spend.

You can go up to three, four, five without ever running out of money.

And they can show you the actual dollar amount of, hey, you could up it to 2% or two and a half or three or four, which is $100,000 and still never run out of money.

I think some of those facts from a trusted investment advisor will free you to go, oh, you know what?

We can loosen up.

I don't have to take on nine more gigs.

I can do it because I want to, not because I feel like I need punishment.