Learn how to budget an extra $1,000 a month when you already have no debt, a high savings rate, and multiple financial goals. What do you do with extra money when you've already paid off all your debt and you're saving more than half your income? Why would a 26-year-old with $50K in assets still not feel financially safe? Hosts Sean Pyles, CFP®, and Elizabeth Ayoola review listener Manny’s budget to see how a high saver with no debt is managing his money. Then, with him, they talk through where an extra $1,000 a month could go, from healthcare savings to a home fund to more room for fun. They explore how to prioritize across goals like an HSA, a future home with his partner, and guilt-free spending without losing the structure that has helped him save so aggressively. How to Choose the Right Budget System: https://www.nerdwallet.com/finance/learn/how-to-choose-the-right-budget-system How to Build a Holiday Budget: https://www.nerdwallet.com/finance/learn/how-to-build-a-holiday-budget-that-works-every-year See your money clearly, save smarter, and unlock sophisticated hassle-free investing — all in one app. https://nerdwallet.com/app  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices