Sean Pyles

With the way the job market is at this current moment, it's taking people quite a while to find jobs.

So typically, we would say you actually might not want more than six months in your emergency fund, given that you guys are both gainfully employed.

But I think it's actually pretty smart to be conservative, given where we are right now.

To me, the solution would be keeping one, maybe two coals in the fire employment wise.

So that way you can have a steady stream of income.

Maybe you're doing 10, 15, 20 hours a week, depending on what you feel like you want to do and how much you enjoy the work.

But you're giving yourself the flexibility to not have to be checking into a job nine to five Monday through Friday.

And then you could actually maybe pivot more into doing different hours if you end up needing that income at some point.

So just keeping your options open was a smart thing to do.

Something else I want to mention here is life insurance.

Do you guys have life insurance?

Okay.

I mentioned this because it's very important for couples in your situation with your age gap to have life insurance because Claire, you're likely going to live longer than Robbie.

Sorry to bring up death in this conversation, but.

That's just the fact of life, right?

So you want to ensure that, Claire, you would have enough resources to help you through the years where you might not have Robbie around, which it's sad to think about, but also it's great to be prepared and have that base covered.

Yeah.

And something like a term life insurance policy probably wouldn't be that expensive for either of you to have.

And you could structure it so you have enough to maybe cover the rest of your mortgage, Robbie.

Hey, you guys are runners, so you're going to be healthy.