Hello, whinnevers. My name is Jesse Meekham and this is podcast number 179 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.

In our efforts to improve our money or really improve anything, we tend to want to over complicate things.

I think over complicating the thing

makes us feel like we're making more progress.

Like, gosh, this is extra extra hard so I deserve extra pets on the back for

this massive endeavor that I have undertaken. You don't want to do that with your money. You want to keep it simple. And we did a whole thing on simplicity and here's why you keep it simple.

It means there are fewer decisions. The fewer decisions come from having fewer moving parts. So where does this money come

from? Should it come from this account, this account, this account, that account? What credit card

should I use to pay at the grocery store? A, B, C, or D.

How do I maximize those points?

All that stuff.

It's tiring.

It costs you cognitive energy, I guess that's what we're going to call it.

And you only have so much you can think about.

It really is finite.

You can't think about everything.

And so I would encourage you not to fill your head with things that don't matter.

And you'll notice, as you budget, as you begin to really dow things in,

giving every dollar a job, thinking ahead to those larger less frequent

expenses, those true expenses, breaking them up into monthly amounts and

then funding those, being ready when the bill comes instead of doing that whole song and

...