Ryan TK: Budgeting isn't just for responsibilities It's also for recreation You can not only plan ahead or think ahead For responsibilities like paying bills But you can also think ahead for play and adventure. We have a financial freedom ebook that you can download on our website If you go to the dubminimalist.com Click on resources at the top. Ryan, what time is it? It's about 11 a.m. Pacific time Oh, you mean the lightning round? Yes, Josh, it is time for the lightning round When answer your text questions, your comments, your smart alec remarks Your compliments we want 937-202-4654 if you have them. At