Mixing Baby Steps and FOO?
I am a 24F. I contribute 25% to retirement and have a 8ish month emergency fund. I have a mortgage but don’t plan to pay extra towards it or pay it off early. I own my car outright. No other debts.
I’ve spent $10k on travel this year. It’s been so much fun but I’m starting to feel guilty. Is it really ok to spend your money on whatever if your retirement and emergency fund are in order?
Posted Dec 3, 2025, 1:54 AM UTC
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