[Music] All right, Mr. Bobman 882 is going to kick us off today. The question says, What are the goals after Step nine of the financial order of operations? Also, what step can you consider fun money, and is it Step nine? So I love this. So what are the goals after Step nine? Here's what I think is great. Money is not a goal. Money is a tool that allows us to achieve the goals that we have, to do the things that we want to do, to experience life in the way that we want to experience it. So for your question around what are my goals after Step n, they're whatever you want them to be. That's what's so beautiful. We have some folks who, they get past Step nine, and they want to start thinking about Legacy. They want to think about how can I build up something for my children. Or I am charitably minded. I want to figure out how I can use my resources to support organizations that I care about. Or people just say, Hey, I want to go experience the world around me. I want to

go travel and see all these different things and do the stuff that I've never been able to do before. What's beautiful is there's no right or wrong answer to that. If you've done all the stuff that you're supposed to do with money, it should free you up. That then you get to use your money to do the things that truly and ultimately matter to you. Now, what I think is great, and I think this is really where Bob man's question's coming from, Brian. He said, well, at what step is fun money? Does that mean I don't get to like enjoy stuff before step nine? Do I get to have any fun before step nine? How should Bob man think about that? Yeah, I when I heard this, there was two big things going on in this question. First of all, you should always be creating fun in your life. There's a reason I talk about bedazzled basic life and still creating blossoming memories even when you're in those aspirational or you can read through the

lines poor periods of your life. I want you to bank memories, and I want you to actually use some of your resources to create those fun memories and those bedazzled basic things. But I think what then he threw a curveball in there Bob man did by talking about post-Step n, and a lot of people, especially if you've read Millionaire Mission, I think you know what the answer is on this is that I if I take you I took you through the Journey of steps 1 through n of the financial order of operations, but then the latter part, the last two chapters of the book, really started focusing on who you are and what your money can and cannot do for you, and this also ties into that show we do every year where we talk about the five levels of wealth, and if just to bring you up to speed, I'd encourage you go look into this show. But you have stability, that's where can you get to the, you know where you can afford your life, where you have $1,000 because that

puts you better than 60% of Americans out there. Then you get into the strategy where you're actually letting your money do the work for you. Then you get to security. This is where now you're starting to get where you don't sweat the small stuff. You don't worry about going out to eat. Your money's actually working for you. And then you get to financial Independence. This is what most people aspire to where they're just hoping they have enough resources that they now can buy their time and do what they want when they want how they want. And then the last step is of course abundance. And this is that intersection point where you not it's not about doing what you want when you want how you want. It's actually knowing what to Value. You're comfortable in your own skin and you know who you are and you know what you're not. And then you also understand where that intersection of purpose uh works with your money so you really are building that abundance level. That's where I would tell Bob is that you know

use the steps one through nine of the financial order of operations to optimize what to do with your next dollar. But then spend some time on where you want to be that back to that begin with the end in mind. And look at the five levels of wealth that kind of know what your next step is and what Legacy and what the why is on every dollar that comes into your control. And I'm curious in your experience have you found this to be true that a lot of the things that are the most fun some of the things that you enjoy the most don't tend to have to be the most expensive things. So like we think about oh I want to allocate some fun money into my budget so that I can travel or do this or do that it's not uncommon that even like your Baseline living expenses the things I'm going to I'm going to steal one from you because I know this is something that that you guys enjoy you and your wife love cooking together like it's one of your favorite things to do.

and so it's not like you had to figure out well, how do I create a separate budget for us cooking together. No, you just recognize in our grocery budget a couple nights a week we're going to stand in the kitchen together and listen to music and cook and dance. That's what I imagine y'all do. I don't know if that's the way it goes. Well, I think you hit on something. And I even when I was doing the when we did the millionaire Mission book tour, um, I told everybody one of the second key things was realizing that happiness doesn't have to be expensive. Um, I cuz I remember I share even in the book that the poorest time of my childhood, that messy middle for my parents, was actually the happiest part of my, you know, looking back on those years is because spending time with people you care about and love with is more important than spending money on stuff. So that's what Bob, man, if you're trying to figure out if you're

unhappy but yet you're living. You're swimming in money because you're beyond step none. You've got to bring it back to the basics and figure out what did I spend enough time on the why of what actually makes me happy. So you know who you are, take out money all together. I know, look, money is necessary to be the kind of the lubricant of Life of, you know, transactions and everything else, but you got to spend some time knowing who you are, what you value, and really what brings you purpose. And that's where the happiness is, and it doesn't take money. That's what, you know, I like cooking with my wife. We like going on walks together. I love, love just, you know, having a meal with my family. All those things, they don't have to. I like grocery shopping. I know everybody is outsourcing the heck out of all these things with all these apps and stuff. You, me at the grocery shop, going to the grocery store with kids or even Jennifer and I, that makes it worse.

I love it. I think it's so much fun. I don't know why, but it doesn't have to be expensive to still create great memories. I want to put that to the test. This week, I'm sending my kids to the grocery store with Uncle Bran. You're going to take a grocery shop. Let my kids hang out with you, and let's. It's going to be fun. You've heard me tell this story too. I've never considered myself a kids person. I'm not the one when a baby comes in the room. I have to go smell their head because some people just love being around babies. I love my children. There is something about, and I've told this to my daughter. Is you know 'cause my oldest is like, I don't know if I want kids. I was like, look, everybody feels that way, but it or at least people wired like me feel that way, but I promise you when you have your own children. There is something inside of you. You're hardwired that you just

love those kids no matter what. So you could bring your kids over. Probably not going to be the same as how you feel towards your kids though.

What Are the Goals After Step 9 of the Financial Order of Operations?

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