 clients to help me by saying okay let's take a look at what your actual spending is and then let me help you build a plan around that building in extra money for extra travel extra gifts for kids and grandkids at christmas if that's a priority to you emergency funds if that's a priority to you but if i get back a budget that says we're actually spending four thousand dollars a month i'm not going to take a six thousand dollar taxable withdrawal out for those clients if they're just going to pay taxes on it to put it in a lower interest account for savings