Is Yard Work A Baby Step?

Christy asks when she can pay for yard work in the Baby Steps. Dave says it really depends upon their income.

QUESTION: Christy on Twitter asks when she can pay for yard work in the Baby Steps. Dave says it really depends upon their income.

ANSWER: I guess that depends on your household income. If you make $300,000 a year, you can probably do it pretty early in the Baby Steps. It’s not a Baby Step; it’s a budget item. Being able to hire people to do things like that for you versus doing the work yourself is a budget item that should be relative to your income—not just whether you hate it or not. If you make $20,000 a year and you live in a small home that’s a quarter-acre lot, you’re cutting your grass. I don’t care if you like it. It doesn’t make sense. But if you make $300,000 a year… And it’s not about being a snob. It’s about what your time’s worth and about what it costs to hire somebody to do that as a percentage of your world.

I think it’s a matter of income as much as a matter of Baby Steps. If you’re a doctor and you’ve got $200,000 worth of debt and you make $300,000, it’s not about the debt. It’s about the income that you’ve got. That’s not a snobbish thing. It’s just a matter of what you can afford to pay to have done versus you having to do it.