This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Ken Coleman.

Jackson starts the hour off in Tampa.

Hey, Jackson, how are you?

Hey, I'm doing well. How are you guys? Better than we deserve. What's up?

Yeah, um, so my wife and I have never really used an actual budget. Um, we've always just kind of,

we've got a fairly high income. Um, we spend what we want. and then I've got all of my investments and everything on autopilot.

And so it's sort of just, we just kind of float.

And every so often I have to pause an investment or two to cash flow something.

But for the most part, it seems to work.

But I feel like we're getting

a little bit financially flabby as we are making a little bit more income. And so I'm just curious

if an income is kind of goes up and down based on seasons and things like that, how do you,

how do you budget the future, the money that's coming in for that month or the money that came in the past month?

Okay. Great question. So let me back into this and start with your last question first.

You always are predicting this coming month, and your job there is to give every dollar of this coming month's income an assignment.

Every dollar has a name.

That's why we named our app, every dollar.

And it has become the world's best budgeting app in the process, so you might want to try it.

But what you're doing is you're assigning.

It's called zero-based budgeting, and we're predicting our income for the month.

Now, at the beginning of a month, 24 hours, 48 hours before the month begins,

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