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#390: We start this episode with two anonymous callers who have opposite problems: one says her bills are too high, while the other is worried that she\u2019s saving too much.\nAnonymous (\u201cIzzy\u201d) saves A LOT. She wants to relax about her spending more, and start including more joy into her life. How should she approach the next 10 or 20 years, so that she can enjoy her financial security?\nA different anonymous caller (\u201cStarlight\u201d) has the opposite problem: her expenses are mounting. Her bills make her uncomfortable. She wants to shake up her investments so that she can tap her assets in order to make her payments. Ideally, she\u2019d also like to buy a house in Europe within the next 10 years. How should she do this?\nJohn liked the episode with Bill Bengen, where we discussed the 4% rule.\xa0However, he questions whether that rule should really be applied to the FIRE community.\nSteve is a landlord who needs his property to cash flow, but doesn\u2019t like to raise rents. What should he do?\n\nDo you have a question on business, money, trade-offs, financial independence strategies, travel, or investing? Leave it here and we\u2019ll answer them in a future episode.\nEnjoy!\n\nFor more information, visit the show notes at https://affordanything.com/episode390\nLearn more about your ad choices. Visit podcastchoices.com/adchoices