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Hey Spencer, this is a great exercise to do personally. One thing I would say that helps is to identify themes and then competing interests. You mention savings a couple times and then you mention shiny object syndrome. There might be some conflict there. While savings are absolutely important, especially with a young family, resiliency is most important. How would you manage today if you lost it all. Being able to weather the storms both emotionally and spiritually is a powerful force.

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