If you're budgeting correctly, a good portion of your income is going towards retirement savings. But have you wondered when you can access that money and how? In this episode, we discuss when you can cash out your retirement accounts and how to minimize penalties and fees when you do it.

Have you ever blown a bonus and felt guilty you didn't set any aside for savings? In this episode we discuss how to allocate those lump sums like annual bonuses or tax refunds so you can treat yourself without worrying about saving for the future.

Wondering where to put your savings to give yourself the best bang for your buck? In this episode we discuss which accounts to fill in which order by using a detailed flowchart to bucket your goals money.

Here's a link to the flowchart for you to follow along.

In this episode we answer another batch of our listeners' questions. From top budgeting apps to savings guilt, from retirement planning to lifestyle inflation, Harry and Nick have you covered. Thank you to everyone that continues to listen and support the show, see you in Season 7.