In this episode, Chris turns 40! Then he gets his wrist slapped. And rightfully so as we discuss last month's unfortunately exorbitant 'entertainment spending.' But we cover the good stuff, too, like how we've finally achieved one of our minor goals of saving almost all of Kelsey's paycheck. Lastly, we answer a listener question on where best to put savings, a Fidelity account set up by one's parents, or a Vanguard Index Fund.