Hello, whinnebbers, my name is Jesse Meekam, and this is podcast number 131 for you need a budget

where we teach you four rules to help you stop living paycheck to paycheck get out of

debt and save more money. Today I want to briefly discuss the semi-annual review. I usually just do an annual

review where I look back, that's one of the few times you'll hear me say that looking back is that important.

I will look back at the prior year's spending and I will usually export it to a spreadsheet

so I can tweak things and test things and guess about things and in

looking back I'll just simply question our spending.

Everything's on the chopping block. About a year ago when Mark are, well, he was a blogger, but he's doing much, much more interesting work at this time now over on the pace side of things with small business owners.

Mark having been a small business owner and built it and sold a few things himself.

So anyway, Mark and going through his Wienab conversion process

and writing about on the blog basically questioned everything you guys may

remember the time he questioned health insurance and we all brought him back to

his senses.

He questioned driving and was riding his bike a lot more which probably made Mr. Money

mustache super happy.

And yeah, he just questioned a lot of his kind of fundamental default

beliefs he was being a little bit blasphemous at times and I think the exercise

was totally okay my review is meant to do that. I mean for it to be a time where I can put everything on the table and question our spending, question our behavior, and ask myself again what I truly value. This time I had to do a

semi-annual review because we are hiring like crazy and I wanted to make sure everything was perfectly laid out and that

all our T's were crossed and eyes were dotted and that I felt comfortable with the pace

that we had set for ourselves as far as the hiring, where projects are at,

what things are coming down the pipeline, things like that. I feel good. In my semi-annual

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