Years ago, when we first started working with our financial planner - which sounds very fancy, but I assure you it’s not like that.

Our decision to work with a financial planner came about when we were living paycheck to paycheck, and Mark and I finally acknowledged that we are children when it comes to being financially responsible, because we like shiny stuff, and we needed a non-biased person - who’s also smart with money - to tell us what we should spend and what we should save.

In the beginning of our working relationship with him, we were tasked with writing out our family’s priorities so we could finagle a budget that would work for us.