In this episode of 1322 Life (Season 3, Episode 6), Bri answers three thorn letters about balancing life and money, retirement planning for young professionals, and end‑of‑life preparations for a mother with a terminal diagnosis.

📬 LETTERS WE ANSWER:

1. “We’re 37 & 35, make $150k, have a 1‑year‑old, and want to take three big trips (Hawaii, Italy, Japan) costing $10k. Are we crazy?” – Bri breakAs down the numbers: mortgage is high, debt exists, but memories matter. She says: take two trips this year, pay off credit card, max out 401k, and enjoy life within reason.

2. “I’m 22, make $53k, no debt, already maxing Roth IRA, have $65k in savings, and access to a 403b/457b. Roth or traditional?” – Bri says: Roth always. Pay taxes now while you’re young. Also, your emergency fund is too big – invest the excess.

3. “I’m 40, a ...