Thanks! I get 4.5 months so will take most of that.

Makes sense - they'll go on my employer's insurance. And also makes sense on the bigger things like cars, we have two that are fully paid off and will likely sell one and upgrade but buy it out in cash w/o a loan.

Makes sense, that’s helpful. Once challenge is that my comp has changed significantly y/y (this year alone the growth from 22 to 23 will be over 2x their entire pay). So we don’t really budget.. but probably should start.