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So earlier this year, my wife left me.

I've got a daughter who's about 18 months.

We are separated.

We're not legally divorced.

She used to handle all the money in the house.

So I'm just kind of figuring things out for myself now.

Make a decent wage.

I make that $73,000 a year.

But I just, I find, I don't really have pennies to rub together by the end of the

month.

Like I'm not really saving anything.

So I'm just wondering if can't we find maybe ways to optimize that.

Good question.

Yeah, that would be a normal thing.

Left to itself, savings never occurs naturally, unless somebody's just like a savings freak.

But most people, if you just don't pay attention at the end of the month or really even before

the end of the month, the money's gone.

And so the only way to make the money behave is before the month starts, write every dollar

down and where it's going to go and then make it go where you wrote it down

to be going you're in charge of it but you need to tell it what to do because what's happening

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