Brought to you by the Every Dollar App. Start budgeting for free today. My life's been pestering me for quite some time now, take on a vacation. I'm not sure right now is the time to do it.
We're both pretty young. I'm 25. She's 21. We got a little one on the way here before too long and we're getting ready to purchase a property we intend to build on.
Okay, do you guys have debt? No debt, no debt. We've been very fortunate in that way. Community College educated.
Okay. What's your household income? I bring about 50,000 home after taxes and she brings about 20,000. And that's part of the issue is that next year her income will be going away.
She's a preschool teacher now, but with a little one, she's gonna stay home. Do you have an emergency fund saved? We do. The thing that concerns me is that after the down payment on the property, that's what we'll be left with is with our emergency fund.
So to take that vacation, we can kind of have it to dig into that a little bit. Well, a vacation's not an emergency. So I would not dig into the emergency fund to take an emergency fund to take a vacation ever. What does she wanna spend?
She wants to go somewhere warm, you know, while I mean this time here, you wanna kind of leave her a little bit. About 2000. 2000? Okay.
So have you run out the numbers on what? Here's the thing. I'm not saying no, and I'm not saying win, but you can decide when. You can look at this and go, okay, my wife wants to take a vacation.
We've never taken a vacation. We're debt free. We have an emergency fund. We're also trying to move in this house.
What can that look like? And when is the time to take it? Because if you just tell her no, and you kind of just swatted away like Matt, she's gonna get irritated. Well, no, that's not your position anyway.
It's your position for two. She's not a child. Okay, the two of you ought to sit down and say to adults and go, okay, yeah, vacation is a good thing. A emergency fund is a good thing.
Having a baby is a good thing. Buying this piece of ground is a good thing. None of these are bad things. Now, where do they fit in our lives with our goals as grownups?
You know, you can't just be a kid on the cereal aisle throwing a fit. You have to be like an adult, both of you. And so I don't want you being her daddy and have to talk her off the ledge. I want her to grow up and look at it and say, as a grown woman who has a child, what is responsible for me?
I want to take a vacation. I'd love to take a vacation. But as a grown woman looking at this, I can't afford to do it right this second because I'm not gonna be working next year after the baby comes. Or as a grown woman looking at this, I've got a child on the way.
I really want to do this. We do have $86,000 in the emergency fund. We probably can go ahead and take a vacation because you've overfunded the emergency fund, Bubba. I don't know what's in this emergency fund.
But I mean, she needs to participate in this decision as a grown up, not as someone who has a parent that they're married to. That's right. And if she's laid out how you guys can do this, then- And it's wise. And it's wise.
And you've also got to be overly growing. You've got to be grown up though. It can't be, I went in, I had to bury it. You know, I don't blow a crowd.
That's what 14-year-olds do. That's not what grown women do, grown men do. So no, you have to be emotionally mature and say, what is good for our family? And if in the midst of that, we can do this reasonably.
We don't leave our family vulnerable with no emergency fund because we went on vacation. That would be stupid. Yeah, that's not good. Or leave our family vulnerable since you're going to be quitting work and staying home with the child.
And you can't make your bills because you went on vacation last winter because it's cold in Wyoming, which is not a shock to anyone in Wyoming for sure. And so, you know, that kind of, so, I mean, what I want to do is just pull her into the conversation as a grown woman, not as someone who's, I can't get my husband, he didn't let me do stupid stuff. I mean, this is just, that's ridiculous. That's not a conversation you want to have in a marriage.
It needs to be the two of you, we have this child, we have his future, what makes sense. And yes, vacations are part of the equation. I got no issue with that at all. But where are they fed?
Is it your point, Jade? Absolutely. Where are you in? They don't strike me as people who are not smart with their money, they paid off their debt, they've got an emergency fund, they're looks like they're trying to do this house the right way.
I have a feeling that he's laser focused and sometimes has to remember like, hey, we can do something sometimes. That's just my spidey sense. Could be loosening the nerd up. That's loosening up the nerd.
But she needs to do that with reason, not with emotion. That's right, yeah. And that's a fair request for a grown up. Create your free every dollar budget today, the simplest way to budget for your life.