 adjusted for inflation and what that allows you to do is you've got parts of your money growing for your future continuing to fight inflation and replacing some of that spending that you're doing which is going to help increase the longevity of your money but at the same time you also have other parts that are addressing hey i need money right now and i can't invest in really growth oriented investments because that's going to create too much volatility i might lose the money in the short term and i need to use it