brought to you by the every dollar app start budgeting for free today today's ramsay network app question

is from kathy this uh comes from kathy is it still necessary to budget in your 60s and 70s

i feel like this is the old dentist quote only brush the teeth you want to keep oh feels the same

with money only man only budget the money you want to keep. Oh. Feels the same with money. Only budget the money you want to keep.

Oh.

Is that fair?

That's good.

If you don't want to keep it, don't budget it.

Here's the thing.

Rachel talks about this better than anybody, because I never talked about this before she came

along and started talking about it on the air.

She made it cool.

Well, she's a spender she's so she's had to figure out that the budget is

actually a spending plan when you have agreement on where your money's going to go it lowers

your stress level because it gives you permission to spend guilt free on X or Y or Z.

So if you're in your 60s and 70s and you have a good nest egg and you say,

I want to go on a trip, but I feel guilty.

Or I want to buy a car, but I feel guilty.

You can look down at your budget and go, wait a minute, I've got the money.

It's not impulsive.

We planned for it.

We built this nest egg to be able to do these things and to retire

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