 a high-yield savings account just sitting there making you feel all warm and cozy on the inside right and then you move on to baby step four where you're investing 15 of your income and so that's how this works um you really came for john's answer not mine i think you knew the answer to mine so but here's the big question will you do this oh absolutely yeah yeah you know your wife better than jade and i do what is she going to say if you sit down and say that to her um