Hello, my neighbors my name is Jesse Meekham and this is podcast number 173 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. Debt debt debt. A lot of us use credit cards, most of us probably use

credit cards, 80% of the United States. Last I checked, lives paycheck to paycheck.

People don't have a lot of savings. The savings rate actually bumped up just recently,

which is good to see. It is still woefully inadequate

for most people's retirement needs and that's a little bit scary.

However, the Eternal Optimist that I am, I think that most everyone has a good solid shot to break that paycheck to paycheck cycle,

to get out of the debt that is hanging around your neck and bothering you,

and saving more money. I think it's possible. When it comes to debt and

using those credit cards, I use a credit card. Actually use two now. We are there's a blog post that I put up about the game of

credit card journey it's a read the blog post but maybe I'll talk about it on the podcast at some point it's

two-edged sword. When it comes to credit cards and the idea of simplicity because we've

been on that kick lately. One is plenty, right? One should be just fine.

You don't want to be standing there flipping through your

roller decks of credit cards asking yourself which purchase or what

this purchase requires as far as credit card point

maximization.

I like the points, I'll be honest.

I'm really aware of spending.

I follow my budget religiously.

Sometimes I overspend because I can't predict the future, and I roll with the punches as required,

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