Hello, whinabbers. My name is Jesse Meekham and this is podcast number 148 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.

As you use wineab you need a budget. As you use that, follow the method. You will notice that

the frequency with which you experience emergencies declines.

I call it the peeling of the onion, the emergency onion.

Back in the day, before you were using WinoB, you would experience all sorts of emergencies you would save money and then

you would know exactly what you were saving the money for but it felt good to save the

money and then an emergency would pop up and you would raid your savings you'd

raid that emergency fund. The savings

didn't really have a purpose except to provide some security to you, but you didn't

have any insight into these emergencies themselves.

Mainly, these emergencies were just rule two events,

where larger, less frequent expenses pop up,

we call them rainy days, and they nailed you.

They cause your cash flow to be crunched, to be pinched.

If things are really bad, you have to put it on a card or something like that.

But at the end of the day, you're saying, man, that emergency, that got me good.

And you deal with it as best you can, you move forward.

That is usually how people acquire debt.

It's just bit by bit, emergency by emergency.

They don't have a good grip on their true expenses because they consider

a lot of normal regular expenses to be emergencies. I'm talking about things like Christmas. Vacations, property taxes, life insurance premiums,

the car breaking down, the dishwasher breaking, the fridge breaking, the little daughter pouring paint

...