 to run their budget with their spouse. Download EveryDollar for free in the App Store or Google Play or go to EveryDollar.com. And let's get started, boys and girls. It's time to do this. Open phones at 888-825-5225. John's in New York. Hey, John, how are you? Hi, Dave. How are you, sir? Better than I deserve. What's up? Good. So I'm around 23 years old, and I have around 57,000 liquid cash in the bank.