 Yes, Sarah, thank you for the question. A good financial plan should account for planned expenses, like vacations, as well as unexpected, like the inevitable events of home repairs, auto maintenance. Because when those occur, notice I didn't say if, when they occur, it can't compromise the solvency of your plan. There needs to be enough wiggle room for those items you don't know exactly what they'll be or how much they'll be, but you know that they're going to occur.