A: You and your girlfriend are in a thoughtful place financially, and this extra paycheque gives you a golden opportunity to build momentum toward greater financial freedom. Many people allow windfalls to disappear into everyday spending, but the fact that you’re budgeting and setting goals indicates that you’re building strong habits. That makes this bonus money especially powerful — it can either accelerate your progress or provide breathing room.

There’s no single right answer and the best use depends on your overall financial situation. Here are things to consider as you think about how to divide these third paycheques in a way that balances your immediate needs and long-term priorities.

Before directing a windfall toward debt or another financial goal, it’s wise to assess your over

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