 When we're talking about money, it's the same thing. This is the reason why I try to help people separate visually. What is the short-term bucket, the long-term bucket? When is something going to be there for growth, and when's it going to be needed for some sort of income? What I want you to think about is how much do you really need, how much do you want, and then what do you wish for, and could you separate those things?