Rachel Cruze

Yes.

But you do want to have a meeting, though.

I say a meeting, but to have conversations.

And we do it once a year and you can do it more to be dreaming and thinking through your long term plans.

Yes.

And this is probably once you're in baby steps four and beyond, right?

Because your big goals, if baby steps one through three, is to get out of debt, get that emergency fund.

And that's what you're working towards.

But after that, you kind of say, okay, as we're investing in retirement, we're looking to pay off the house.

What are some other goals that we have?

Is there renovations around the house we want to do?

Do we need to replace a car?

Do we want to go on a trip?

Like,

What are these things in the next year, two years, three years, five years?

And then we even look out as far as down the road and just say, if money were no option, what would we do when the kids are in high school?

Would we want a second home one day?

We start to dream that way.

We don't do anything with that, but we at least get those conversations going.

Yes, that's exactly right.