Nicole Lappin

Her job is extremely convenient with the kids when she gets the summer off, but where we live in southern Ontario, it's a lot harder to get ahead with one good income, at least not without a solid budget. Thank you very much. Well, first of all, thank you very much, Cole. Thank you so much for this question and for sharing it with me.

Her job is extremely convenient with the kids when she gets the summer off, but where we live in southern Ontario, it's a lot harder to get ahead with one good income, at least not without a solid budget. Thank you very much. Well, first of all, thank you very much, Cole. Thank you so much for this question and for sharing it with me.

I know navigating this situation is probably not easy, but I hope you've taken a moment to give yourself a pat on the back for all of the successful money rehab that you've been doing over the years. Your future self will definitely thank you, but your present self should thank you too.

I know navigating this situation is probably not easy, but I hope you've taken a moment to give yourself a pat on the back for all of the successful money rehab that you've been doing over the years. Your future self will definitely thank you, but your present self should thank you too.

I know navigating this situation is probably not easy, but I hope you've taken a moment to give yourself a pat on the back for all of the successful money rehab that you've been doing over the years. Your future self will definitely thank you, but your present self should thank you too.

It sounds like you've already tried to talk to your wife about things like budgeting, but have these chats been in passing or have they been sit down chats where you plot your awesome life together? If it's the former, you need to start doing a little bit of the latter. But just because the conversation needs to be more intentional doesn't mean it needs to be less fun.

It sounds like you've already tried to talk to your wife about things like budgeting, but have these chats been in passing or have they been sit down chats where you plot your awesome life together? If it's the former, you need to start doing a little bit of the latter. But just because the conversation needs to be more intentional doesn't mean it needs to be less fun.

It sounds like you've already tried to talk to your wife about things like budgeting, but have these chats been in passing or have they been sit down chats where you plot your awesome life together? If it's the former, you need to start doing a little bit of the latter. But just because the conversation needs to be more intentional doesn't mean it needs to be less fun.

Something that might work for you is to frame the conversation around what you've been dreaming of for the next 5, 10, 50 years. I'd start with the conversation about what you both want retirement to look like and then reverse engineer from there.

Something that might work for you is to frame the conversation around what you've been dreaming of for the next 5, 10, 50 years. I'd start with the conversation about what you both want retirement to look like and then reverse engineer from there.

Something that might work for you is to frame the conversation around what you've been dreaming of for the next 5, 10, 50 years. I'd start with the conversation about what you both want retirement to look like and then reverse engineer from there.

A good exercise for the two of you to do together would be look at the way I outline three different levels of wealth so that you can start talking through desires, goals and expectations for retirement. The first level of wealth is affectionately called rich enough where your super basic expenses are covered. Think brown rice and beans diet. without any frills.

A good exercise for the two of you to do together would be look at the way I outline three different levels of wealth so that you can start talking through desires, goals and expectations for retirement. The first level of wealth is affectionately called rich enough where your super basic expenses are covered. Think brown rice and beans diet. without any frills.

A good exercise for the two of you to do together would be look at the way I outline three different levels of wealth so that you can start talking through desires, goals and expectations for retirement. The first level of wealth is affectionately called rich enough where your super basic expenses are covered. Think brown rice and beans diet. without any frills.

If you feel best though, maintaining your current lifestyle complete with occasional splurges like dieting out or buying designer shoes, amazing. It is the pretty rich life for you. Being pretty rich in retirement allows you to live comfortably with some indulgences, but doesn't factor in a ton of future growth.

If you feel best though, maintaining your current lifestyle complete with occasional splurges like dieting out or buying designer shoes, amazing. It is the pretty rich life for you. Being pretty rich in retirement allows you to live comfortably with some indulgences, but doesn't factor in a ton of future growth.

If you feel best though, maintaining your current lifestyle complete with occasional splurges like dieting out or buying designer shoes, amazing. It is the pretty rich life for you. Being pretty rich in retirement allows you to live comfortably with some indulgences, but doesn't factor in a ton of future growth.

And finally, we have the super rich level, which entails more money than you can reasonably spend, AKA baller status. If you two don't get the exact same answer here, that's okay. Talk through what a compromise might look like.

And finally, we have the super rich level, which entails more money than you can reasonably spend, AKA baller status. If you two don't get the exact same answer here, that's okay. Talk through what a compromise might look like.

And finally, we have the super rich level, which entails more money than you can reasonably spend, AKA baller status. If you two don't get the exact same answer here, that's okay. Talk through what a compromise might look like.