Well, hey, you guys. So one of the points when it comes to winning with your money is that you have to do a budget.

We talk about that a lot on the show. But honestly, once you accept the fact that you need a monthly budget, well, actually doing it is what's key.

Because we can talk about it all day long,

but actually putting it into practice is where you're going to see a lot of change when it

comes to your money. And so today, I want to talk about what comes next. So we're going to

talk about how I budget, but also how I save, invest, and spend my money. But before we get started, make sure to subscribe to this channel so you never miss a future

episode.

All right, first I want to make sure that you know about one tool that's an absolute must when

it comes to your monthly budget, and that is every dollar.

Every dollar is the budgeting app that I use, and it makes all of this so easy.

So when it comes to your

saving and your spending and you're giving and all of it, categories are there for you. When you

track transactions, it's there for you, your paycheck planning to make sure you have enough in your

account to get you through until you're paid again. I mean, all of that is in every dollar

and the premium version as well. So make sure to check it out because again,

having your budget that's available for you, it's on your phone, it's an app. When you carry your

phone around with you, your budget goes with you as well. So that's the great thing is it's

very convenient and it's very accurate because it is a real-time picture of where you are with your

money. Next, I want to clarify something that I get asked about from time to time, and that is expenses that aren't included

in the budget, but they're still taken out of your paycheck.

So things like insurance, investing contributions,

certain taxes, HSA funds, so there's certain things

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