 Yeah, an effective way to continue to increase your savings and crush your long-term goals is every time you receive a raise. I encourage clients to take half of it, enjoy it, include it in their lifestyle, take the other half and add it to all of their savings. And so now you're feeling the benefit and the effects of the raise and enjoying it in the short term, not pushing everything off for 30 years down the road. But if you do that, all of a sudden you look down