AAR27 - How do I decide how much to save?

That's because credit cards must just be used as payment vehicles to get rewards. And that's it. I, I, I, I will die on that hill. Credit cards should be seen as nothing other than a payment vehicle to get rewards because the second you see it as anything else, the second you see it as an emergency fund, the second you see it as a savings account, the second you see it as, I don't know, any anything outside of just a payment vehicle, you are going to be incurring interest on any payments you make to that account, any balance you're carrying month to month. And that is just money down the drain. You should never spend any more on Welcome back, ladies and gentlemen, to at any rate. My name is Evan Ray, and we are here to help you make sustainable financial changes without breaking a sweat. Although today, I should probably say I am here because today I'm actually gonna be trying something new, and it's gonna be a bit different for both of us. Trust me, not just you. Today is gonna be my first solo episode. So give me a bit of grace on this one if it ends up being a bit shorter. And as always, I I would more than value feedback on on this episode and how you feel about it. I and for the future, I wanna take everything into account. But I definitely am comfortable knowing that today's topic is gonna be a topic that I can provide a lot of valuable information on even if I'm just solo. In a recent episode, actually, that inspired this, Andrew mentioned, how do you decide how much you save in different places? And this has definitely been a blind spot, I'd say, in the content in that I've discussed a ton of of how much to save, what accounts are good to save for different reasons, whether we're talking about savings or investings or spending or even life insurance and everything, but we haven't done much to bridge that gap of, okay, I know how much I might be able to save, and I know what accounts are good, but how do I actually sit down and say, how much money do I wanna put in my Roth IRA? How much money do I wanna put in my four zero one ks accounts like these? And if you don't have a good grasp of of how to go about that decision process, then you might just be doing it willy nilly. And, hey, saving saving something somewhere is better than not saving at all, but it's it's better than anything if it's if they're all sound process decisions that that you have reasons behind. So just to start off, the most important thing here is to always work in percentages. Dollar values are they're flashy. They're exciting. Trust me. When I see somebody online that that that is earning, you …