• I'll need a new retainer within the next two years.
  • My car is nearly 10 years old, and Hyundai's are subject to litigation regarding oil consumption. I'll need to be able to finance or purchase a vehicle within 5 to 10 years.
  • While saving for an eventual car replacement, my car will need regular maintenance. Regular maintenance is an expected expense, so I must plan and save for it.
  • I don't want to rent for the rest of my life, and home ownership is a significant driver of working-class wealth. I also need to have paid off my mortgage obligations before retiring, so I need to position myself to purchase a home within the next 10 to 15 years.
  • I have pets that I love and adore. The fact that my pets will need routine medical care is an expected expense, so I must plan and save for it.
  • It is vital that I don't die working on the Walmart floor (shout out to Caleb Hammer); thus, I will need to save adequate resources for my old age. Old age is an expected expense, so I must plan and save for it.
  • I want to eventually have enough "fuck you money" so that, if necessary, I can afford to live without an income for a while.