Spending on Fun: Harry Potter World! | October 2023 Beers & Budgeting | Summary and Q&A

November 15, 2023
Debt Free Millennials
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Spending on Fun: Harry Potter World! | October 2023 Beers & Budgeting


Justine and Kyle discuss their monthly income and expenses, including a surplus, and make plans for future financial goals, all while enjoying a tasty beer.

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Key Insights

  • πŸ”’ Justine and Kyle have experienced financial growth and success, but they still maintain a conservative mindset and prioritize financial security.
  • πŸ§‘β€πŸ€β€πŸ§‘ The couple understands the importance of enjoying the present moment while still planning for future financial goals.
  • πŸ€‘ Justine and Kyle have built a surplus in their budget that allows them to comfortably spend money on experiences and adventures.
  • πŸ˜’ They make use of tools like Projection Lab to track their progress towards financial independence and make informed financial decisions.
  • πŸͺ‘ Justine and Kyle are intentional about their spending and make adjustments to their budget as needed, such as increasing their grocery budget for busy months.
  • πŸ‘‚ They utilize separate funds, like the LA bucket list fund and the moving expenses fund, to ensure they are adequately prepared for specific financial goals.
  • πŸ„ Justine and Kyle value experiences and prioritize them in their budget, creating opportunities for fun and adventure while maintaining financial responsibility.


we are back with another episode of beers and budgeting stick around this one's going to be really fun um I'm tired let's do it hey guys it's Justine your host of the debt free Millennials Channel and here we talk about all ways to help you Achieve Financial confidence Crush debt that leads to more fun and fewer payments and you know this guy my hu... Read More

Questions & Answers

Q: How did Justine and Kyle end up with a surplus in their monthly income?

Justine received a bonus and was paid for some comp time, while Kyle also received reimbursement for work expenses, contributing to the surplus.

Q: Why do Justine and Kyle prioritize a conservative approach to their finances?

Despite being high-income earners, both come from backgrounds where money has felt tight, shaping their mindset and desire for a robust safety net.

Q: What is the purpose of Justine and Kyle's LA bucket list fund?

The couple puts money aside every month to enjoy their time in LA and tick off experiences from their bucket list before eventually leaving the city.

Q: How do Justine and Kyle budget for special experiences, like their recent trip to Universal Studios?

The couple sets aside a certain amount each month in a fun money category, allowing them to enjoy experiences and activities without feeling guilty about the cost.

Summary & Key Takeaways

  • Justine and Kyle review their income and expenses for the month, discussing their surplus and the factors contributing to it.

  • They highlight the importance of having a conservative mindset when it comes to money, despite being high-income earners.

  • The couple discusses their LA bucket list fund and how they prioritize enjoying their time in the city while saving for other financial goals.

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