FIVE. WELL, WE ARE USUALLY TALKING ABOUT HOW TO GET YOURSELF OUT OF PROBLEMS HERE ON MONEY MONDAY, BUT SOMETIMES THERE COULD BE GOOD PROBLEMS TO HAVE. YEAH, EVERY NOW AND THEN IT HAPPENS. YOU COULD HAVE AN UNEXPECTED FINANCIAL WINDFALL THAT FORCES YOU TO MAKE SOME DECISIONS ABOUT YOUR MONEY AND HOW YOU바카라 게임 웹사이트�RE GOING TO SPEND IT, OR HOW YOU바카라 게임 웹사이트�RE GOING TO SAVE IT. SO HERE TO TALK MORE ABOUT WHAT TO DO IF YOU SUDDENLY FIND YOURSELF MAYBE IN THE MONEY IS CARTER RUMMEL FROM YELLOW CARDINAL ADVISORY GROUP. THANKS FOR BEING HERE TODAY. THANK YOU. SO TALK TO US A LITTLE BIT ABOUT HOW MUCH MONEY DO YOU NEED FOR IT TO EVEN BE CONSIDERED A WINDFALL. THAT바카라 게임 웹사이트�S A GREAT QUESTION. AND IT바카라 게임 웹사이트�S ALSO REALLY FUN TO BE BACK. THANK YOU. I THINK WHEN WINDFALLS ARE RELATIVE, IF YOU바카라 게임 웹사이트�RE GETTING AN AMOUNT OF MONEY WITH A SUDDENNESS AND SURPRISE FACTOR WHERE IT MAKES YOU SIT BACK AND SORT OF TAKE NOTICE AND FEEL EXCITED ABOUT IT, THAT바카라 게임 웹사이트�S A WINDFALL FOR YOU AS A SIZING. AS TO TYPES, I THINK THERE ARE REALLY THREE MAIN TYPES. THE FIRST WOULD BE THE FUN ONES AND WE ALL KNOW WHAT WE바카라 게임 웹사이트�RE THINKING OF, WHICH IS WINNING THE LOTTERY, RIGHT? OBVIOUSLY VERY FUN. THERE바카라 게임 웹사이트�D BE UNEXPECTED BONUSES AT WORK. UM, THEN THERE바카라 게임 웹사이트�S WINDFALLS. YOU FEEL LIKE YOU WORKED FOR TAX REFUNDS, OR IF YOU WORK AND WORK AND WORK AND STAGE AND GET YOUR HOUSE ALL SPIFFED UP, YOU SELL IT, EXTRACT SOME EQUITY AND DOWNSIZE TO SOMETHING A LITTLE SMALLER. YOU WORKED FOR THAT. THEN THERE바카라 게임 웹사이트�S THE HARD WINDFALLS AND THAT COULD BE, FOR INSTANCE, UM, YOU KNOW, SEVERANCE PACKAGE FROM A JOB LOSS. OR IF YOU RECEIVE AN INHERITANCE FROM SOMEONE THAT YOU LOVED AND MISSED VERY MUCH. BUT WHICHEVER WAY THAT WINDFALL ARRIVES IN YOUR LIFE, THERE REALLY IS A PLAYBOOK FOR THE MOST SMART AND EFFECTIVE WAY TO HANDLE IT. WOW. I LOVE THE CATEGORIES YOU BROKE ALL OF THOSE UP INTO. WHAT DO YOU TELL PEOPLE WHO COME TO YOU ABOUT A BIG CHECK? WELL, YOU KNOW, ALTHOUGH AT FIRST FINANCIAL, WE ARE DEFINITELY VERY WE바카라 게임 웹사이트�RE VERY HONORED TO MAKE A SAFE HOME FOR DEPOSITS. IT바카라 게임 웹사이트�S USUALLY ABOUT MORE THAN JUST PUTTING IT ALL IN THE BANK. THE BIG ONE WOULD BE HAVING SOME FUN IN, RIGHT? I MEAN, IF YOU DON바카라 게임 웹사이트�T LET YOURSELF HAVE SOME FUN, YOU COULD RUN OFF THE RAILS. IT바카라 게임 웹사이트�S LIKE TRYING TO BE PERFECT AND NEVER EAT DESSERT. SO HAVE SOME FUN. AND THAT MIGHT LOOK LIKE TRAVELING SOMEWHERE. MAYBE GOING TO PARIS FOR THE OLYMPICS. WE바카라 게임 웹사이트�D ALL LIKE TO DO THAT. MAYBE IT바카라 게임 웹사이트�S GETTING SOME GIFTS FOR YOURSELF OR FOR SOMEBODY YOU LOVE. BUT ONCE YOU바카라 게임 웹사이트�VE HAD THE FUN, IT바카라 게임 웹사이트�S IMPORTANT TO BE SMART WITH THE REST. AND THEN WHAT THAT USUALLY LOOKS LIKE IS A MIX OF PLAYING SOME DEFENSE AND THEN PIVOTING AND PLAYING SOME OFFENSE. THAT바카라 게임 웹사이트�S SO FUNNY THAT YOU MENTIONED THAT, BECAUSE WE HEAR THAT TERM A LOT OF TIMES. SO WHAT EXACTLY DOES IT MEAN TO PLAY THE THE DEFENSE AS OPPOSED TO THE OFFENSE WHEN IT COMES TO YOUR MONEY? WELL, IN THE CONTEXT OF A WINDFALL, WHAT THAT USUALLY LOOKS LIKE IS MAKING SURE YOU바카라 게임 웹사이트�VE GOT A MINIMUM AMOUNT OF LIQUIDITY. IT MIGHT NOT BE A TREMENDOUS AMOUNT OF MONEY, 1 OR $2000 SAFELY SQUIRRELED AWAY IN A SAVINGS ACCOUNT BECAUSE IT FEELS GOOD. IT바카라 게임 웹사이트�S A PRUDENT THING TO DO. AFTER THAT, THE BIG DEMON YOU WANT TO SLAY WOULD BE THE HIGH INTEREST RATE DEBT. FOR MANY OF US, THAT바카라 게임 웹사이트�S CREDIT CARD DEBT. GET THAT PAID DOWN. IT바카라 게임 웹사이트�S AN UNBELIEVABLE RISK FREE TAX FREE RETURN ON INVESTMENT. ONCE THE CREDIT CARD DEBT IS PUT TO BED, THEN IT바카라 게임 웹사이트�S TIME FOR WHAT I LIKE TO CALL A REAL DEAL EMERGENCY FUND. AND THAT COULD BE THREE, SIX, NINE MONTHS OF EXPENSES. THAT바카라 게임 웹사이트�S TARGETED FOR BEING ABLE TO TIDE YOU OVER IN THE EVENT OF A JOB LOSS, OR IF YOU HAVE AN UNEXPECTED MEDICAL BILL FOR YOURSELF OR A FAMILY MEMBER OR IF YOU HAVE AN UNEXPECTED HOME REPAIR OR YOU KNOW YOU NEED TO REPAIR YOUR CAR, MAYBE YOU EVEN NEED TO BUY A NEW ONE. YOU TALKED A LITTLE BIT ABOUT THIS. HOW DO YOU CONVINCE PEOPLE TO BUILD THAT EMERGENCY FUND WHEN THEY DON바카라 게임 웹사이트�T SOUND VERY EXCITING? WELL, THE FIRST THING I WANT TO SAY IS I HEAR YOU ON THAT, RIGHT? I MEAN, IT바카라 게임 웹사이트�S UNDERSTANDABLE, BUT IT바카라 게임 웹사이트�S IMPORTANT TO MAKE HIGH RATES YOUR FRIEND. AND THERE바카라 게임 웹사이트�S WIDESPREAD AVAILABILITY OF DEPOSITS ABOVE 4% NOW. SO FOR THE FIRST TIME IN A LONG TIME, YOU바카라 게임 웹사이트�RE ABLE TO GET A VERY MEANINGFUL, ROBUST YIELD ON YOUR EMERGENCY FUND WHILE IT STANDS BY READY TO PROTECT YOU AND THE PEOPLE YOU LOVE. AWESOME. WELL, CARTER ROMMEL, THANKS SO MUCH FOR BEING HERE WITH US WITH YELLOW CARDINAL ADVICE GROUP. ALWAYS SOME SAGE ADVICE WHEN IT