How to Create A Personal Budget For Your Money

How to create a budget

Did you know that almost half of Americans don’t have any emergency savings?1 In the world we live in today, that’s crazy. If that’s you, you my friend are playing with fire.

In this episode, I’m going to share how to create a personal budget for your money that’s fun and will free up cash so that you can build what I call, your 3 Money Buckets: Your Emergency Fund, Vacation/Travel fund, and your 5-Year Goals fund. 

Ah, budgets. The “B” word.

Unfortunately, budgets get a bad rap. I think it has a bit to do with people viewing budgets as restrictive, that they limit your freedom to spend and have fun. At least that’s what I used to believe. But, that’s also a time when I used to live paycheck to paycheck.

At the time, I had this misconception that financial success had everything to do with how much money you made. Today, I know a lot better. As a financial advisor, I get to witness firsthand, what works from my most successful clients, and what doesn’t work from my least successful ones. 

Financial success, it seems, has less to do with how much you make, and more to do with how much you can save. It’s all about your cash flow, which is the flow of money in and out of your household.

Why is budgeting so hard?


Ah, budgets. The “B” word.

Unfortunately, budgets get a bad rap. I think it has a bit to do with people viewing budgets as restrictive, that they limit your freedom to spend and have fun. At least that’s what I used to believe. But, that’s also a time when I used to live paycheck to paycheck.

At the time, I had this misconception that financial success had everything to do with how much money you made. Today, I know a lot better. As a financial advisor, I get to witness firsthand, what works from my most successful clients, and what doesn’t work from my least successful ones. 

Financial success, it seems, has less to do with how much you make, and more to do with how much you can save. It’s all about your cash flow, which is the flow of money in and out of your household.

What is a zero-based budget?


I’ve tried a lot of budgeting styles over the years and none of them worked, long-term. They ended up being restrictive and time-consuming to manage. 

What finally worked for me was a zero-based budget. A zero-based budget gives every dollar that you earn a job, so it’s not restrictive. If you want your, “vanilla coconut milk cappuccino with no foam and whipped cream,” you just need to budget for it, and only if you get it routinely. If it’s just a once in a while thing, no sweat. Having a cash cushion sinking fund will cover your miscellaneous spending so that you don’t have to feel bad. For someone like me, that’s permission to spend and a win-win.

I’ll cover sinking funds later in this video. If you want to learn more about the zero-based budget, I have another video for that. 

But for now, let’s cover the 5 steps to create a personal budget for your money.

How to Budget

5 Steps to Create A Personal Budget For Your Money

Step 1: Add up your income

This is your total take-home pay (after tax) for both you and your partner. You don’t have to be married or in a traditional relationship to do this. But you should do it together if you’re in a serious relationship.

Just a quick tip here, get your partner involved with money decisions before you say, “I do.” A lot of people don’t realize how their partner is with money, until years after getting married and starting a family. At that point, it’s too late. 

Unfortunately, money problems are a big reason why couples get divorced. If one partner is spending loosely, racking up debt, and resistant to talking about money and financial goals, while the other is frantically trying to save every penny, there’s bound to be some tension.

Do yourself a favor and skip all the drama, download my free guide, “55 Smart Money Talks to Help Grow Your Money,” and start scheduling Money Dates. There’s some great stuff in there, including budgeting and bill tracker worksheets. I’ll put the link to download that workbook in the comments below.

But for this step, write down all your income. Don’t forget to include everything—full-time jobs, second jobs, freelance pay, babysitting money, and any other ongoing source of income. 

If your income varies a lot like mine, base your budget on your average draw. My wife and I pay ourselves the same amount once a month, it doesn’t matter if it was a hugely successful month.

I’ve seen what happens to people that reach a certain level of financial comfort. They use the extra money to buy more stuff. And more stuff causes more problems. The more stuff people have, the more time, money, and effort it takes to maintain it all. 

Step 2: Add up & categorize your monthly expenses

Think about your fixed monthly expenses such as your rent or mortgage, utilities, and transportation. Also list all your variable and discretionary expenses, including money that you use to pay your debts, eating out, subscriptions, having fun, and shopping. 

Every dollar you spend should be accounted for. Make sure that you don’t forget any quarterly or annual expenses such as insurance premiums, homeowner’s association dues, the water and sewer bills, and property taxes.

In that “55 Smart Money Date Talks” workbook, you’ll also find worksheets in there to track your expenses each month and track recurring bills. This will help ensure you pay your bills on time, which makes you look like a superstar on your credit report.

Listing your expenses can be an eye-opening process. You might be surprised to find how much you spend eating out and having fun. And while this could be a stressor, it’s also an opportunity. 

Every dollar that you spent over the past month that wasn’t necessary could potentially be recaptured and directed to one of your sinking funds, which I’ll cover in just a moment.

If you caught yourself saying, “I’d love to save money, but how do you find the money to save?” This is how.

Step 3: Subtract expenses from income

When you subtract your expenses from your income, you should be as near to zero as possible, but don’t get caught up in perfectionism. If there’s a big discrepancy, sure do some digging and find out where those dollars went. Otherwise, chalk up any missing dollars as miscellaneous spending. 

If you find you have money left over, that’s called a “surplus.” If you spend more than you make (because you use credit cards), that’s called a “deficit.” 

It can be very tempting to take the lazy approach in calculating your numbers, relying on a budgeting app or a spreadsheet. A decent spreadsheet can actually be very helpful, but I would recommend avoiding budgeting apps altogether at this stage.

Remember what I said earlier, “like words, numbers also tell a story?” Imagine learning how to read, which is what you’re doing with budgeting: you’re learning how to read numbers. Imagine that instead of actually picking up a book and reading it, that you took the lazy route and played the audiobook version.

Yes, you’re absorbing the knowledge in that book, but you’re not learning how to read which was the goal. Despite listening to the audiobook, reading the physical book would still be challenging.

The goal in creating a budget is to review your transactions and effectively share, in your own words, what the story behind those numbers mean. Why did you spend $100 on eating out this week? Was it because it was part of your budget, or was it because you were too busy or didn’t feel like cooking?

Clarity is the first step to building wealth.

I want you to schedule Money Dates with your partner every other week with the rule of no finger pointing at who’s to blame. Go through your transactions together. Help each other and work as a team.

There’s a reason why I use cash for all my local transactions. I’m a spender, and using cash makes me hyper aware about all of my purchases. I know I need to make that money last the entire month. Because of that, I have to be strategic about my purchases and occasionally I have to leave stuff behind at check out.

Step 4: Pay yourself first using sinking funds

“Pay yourself first, and then spend the rest.” —Jim Dahle, MD

The life you want isn’t built with magic; it’s built with money. And you can’t hope to build an emergency fund, go on debt-free vacations, and invest for future opportunities if you wait until the end of the month. 

Even if there’s a hundred bucks in the account, you’ll keep it in there out of fear. It’s our genetic programming trying to save us from the pain of bouncing a check and unknown money problems lurking in the shadows of our past. 

A sinking fund is an account that’s completely separate from the account that you pay bills out of. It’s an account that’s specifically earmarked for a specific savings goal, such as your emergency fund. To fund this account, you should schedule an automatic transfer from your checking account, the day after you get paid. 

Today, this is commonly referred to as, “paying yourself first.” And while a sinking fund isn’t budgeting, per se. It is the part of your budget that will make sure you have money to do the things that you say are important to you. 

I prefer to use online banks for my sinking funds. Online banks typically have no minimums and no monthly fees. A few of them also allow you to open several accounts, with the ability to rename that account after your savings goal.

Here are some sinking funds that I’ve created for myself:

  • Emergency fund —to make sure that I can survive a financial fall out. 
  • Vacation / Travel fund —because I love going on debt-free vacations. If I just put $5,000 on a credit card, it’s not going to be a relaxing trip for me. My thoughts are going to be fixated on all the work I’ll need to do to pay this trip off.  
  • 5-Year Goal fund —for larger purchases in life. People tend to buy a new car every 5-7 years, having money for a down payment will keep your payments affordable.
  • Grocery fund —because I love having 3-4 months’ worth of grocery money on hand. It’s financial security knowing that I can be out of work for a long time, and still put food on the table without having to rely on the government or debt.
  • Kids activities fund —because, lets’ face it, kids are friggin’ expensive between band and sports, and keeping them active throughout summer and winter breaks.
  • Holiday fund —because the holidays aren’t a surprise. Neither should be your holiday spending. Take your holiday budget and break them up into monthly savings goals and put that money into a sinking fund so you don’t spend it.
  • And my personal favorite, the Cash Cushion fund —because, we can’t plan for everything in life. This fund allows me to say “yes” to things that I don’t have a budget for, without feeling bad or getting my wife upset.

Try not to get discouraged if you can’t create all these sinking funds right away. It takes time and patience, but I’m confident that you can do it, if you can get your partner on board.

Step 5: Track your spending

Once you’ve created your budget and automated savings to your sinking funds, monitor your cash flow. Again, that’s the money flowing in and out of your household. What you want to look out for is that you’re not saving in one area of your life, at the detriment to another. 

Some people will find that their past will quickly catch up to them. You’ll want to pull a credit report to make sure there’s no surprises. Make sure your partner does the same.

The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting agencies: Experian, Equifax, and TransUnion – to provide you with a free copy of your credit report once every twelve months.3
Source 3: Federal Trade Commission (FTC), Free Credit Reports —

If a bill is out there in collections, waiting to cause havoc it will be in this report. The Federal Trade Commission (FTC) urges consumers to visit

Starting in 2020, everyone in the U.S. can get 6 free credit reports per year through 2026 by visiting the Equifax website or by calling 1-866-349-5191. That’s in addition to the one free Equifax report (plus your Experian and TransUnion reports) you can get at More information can be found at:

30-Day Money Finder Challenge

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    There you have it. I shared what a budget is and why it’s so hard to stick to them. It’s because students leave school without any financial skills. And while they end up pursuing their profession successfully, they later find themselves struggling financially. 

    Robert Kyosaki said it best, “A person can be highly educated, professionally successful, and still be financially illiterate.” If that’s you right now, it’s okay. Subscribe to my newsletter, where I share valuable tips that I don’t share anywhere on social media.


    1) National Financial Capability Study, FINRA —
    2) Investment News, Financial literacy: An epic fail in America —
    3) Federal Trade Commission (FTC), Free Credit Reports —

    For Educational Purposes Only – Not to be relied upon as financial, tax, or legal advice.  The views expressed are those of the presenting party and all data is derived from sources believed to be accurate.

    3 Money Buckets that Help to Build Wealth

    Disclosure: For Educational Purposes Only – Not to be relied upon as financial advice.  The views expressed are those of the author/presenter, and data is derived from sources believed to be accurate.

    3 Money Buckets that Help to Build Wealth


    In 2010, Allstate Insurance Company launched its “Mayhem” video campaign. Dean Winters, who performed magnificently as Mayhem, gave viewers a play-by-play to the devastation he was creating. The videos were both devastating and comical, making an impact across America.

    While the Mayhem videos are entertaining, they also teach us what life can feel like without having appropriate safety nets in place. To help avoid “mayhem” in your own life, let’s review what I call the 3 Money Buckets that Help To Build Wealth.

    While these accounts aren’t going to make you wealthy per se, they do help you keep the Wealth you’ve created for yourself in times of hardship and economic downturn.

    Without further ado, here are the 3 Money Buckets that Help to Build Wealth.

    Money Bucket #1: Your Emergency Fund

    In movies, there’s often a burning building. People, fearful for their lives, jump from the burning building to safety. Are they crazy for jumping? No, they see the inflatable jump cushion in the streets below and jump, knowing the air cushion will absorb the impact of their fall.

    Unfortunately, the hero of the story doesn’t get such a cushion. By the time he or she helps everyone escape, the fire gets out of control. The hero has to jump to the adjacent building, hoping to grab hold of the emergency stairwell.

    In many situations, the hero either gets lucky or tumbles painfully to the streets below into a dumpster. Either way, they get seriously banged up.

    With your finances, an emergency fund works much like that inflatable jump cushion. Its job is to break a financial fall. Without it, people are like the hero, tumbling to the streets below, banged up and broken.

    Without an emergency fund, people resort to debt and borrow from their retirement accounts.

    Dave Ramsey, an American author and radio show host suggests building a minimum of $1,000 in your Emergency Fund. From there, you’re supposed to start tackling your debt.

    As someone who has built and used his emergency fund, I can attest that this practice has helped me through several tight spots. I’ve been able to pay unexpected bills, fix my car, replace a water heater, and repair a leaky roof without having to take out debt or borrow money from friends and family.

    But, before we build our emergency fund, we need to lay some ground rules for this money. Let’s define what an emergency is and what it’s not.

    Here are my rules for using money in your emergency fund:

    1. Your Emergency Fund is for actual emergencies only. I define a financial emergency as an event that would prohibit you from working, create unsafe living conditions, or is simply unpredictable and has a cost.

    Not having enough money to go on a last-minute trip with your friends is not an emergency. Being short on cash for the holidays is not an emergency. But needing money to purchase a flight to attend a loved one’s funeral is an emergency.

    1. Your emergency fund is not a backup account; it’s your lifeline. If you routinely borrow money from this account for non-emergent things, you won’t be ready for a real emergency.

    For this reason, I recommend online banking for your three money buckets. Transferring money out of online banks typically takes a couple of days, which affords you some time to think things through.

    However, in real emergencies, which should rarely happen, the money is there for you. And once you use it, your priority will be to bring this account back up to $1,000.

    There are 3 Money Buckets Required to Build Wealth. They are your Emergency Fund, Vacation Fund, and Short-term Goals Fund

    Money Bucket #2: Your Vacation Fund

    Once your Emergency Fund reaches your minimum level of a thousand dollars, you can start directing money to a Vacation Fund.

    I save for vacations a little differently than most people that I know. I use a cash envelope budget to pay for vacations and traveling. My wife and I are both self-employed, and our incomes can vary.

    In financially challenging years, we want peace of mind knowing that we can still get away. And in financially successful years, we might wish to get away several times. In those situations, we have a cash envelope budget for each trip.

    No matter what happens, I know that I have that vacation prepaid by using my cash envelope. It also includes all designated spending money so it’s impossible to overspend.

    Whatever your method, I recommend a starting budget of saving $40 a week or $75 bi-weekly. Schedule an automatic transfer out of your checking account to the bank account that you’ve designated as your Vacation Fund. In twelve months, you can have close to $2,000 saved. If that’s not enough, make adjustments to meet your needs.

    You can use your Vacation Fund for one big trip or several weekend getaways. I recommend getting away every 90 days, whether it’s a staycation or somewhere within driving distance.

    Money Bucket #3: Your Short-Term Goals Fund

    After you have a thousand dollars in your emergency fund and started automated transfers to your vacation fund, it’s time to work on your short term goals fund.

    A short term goals fund makes sure that you have money for more capital purchases that you’ll need to make in the next 5-7 years.

    For example, I tend to get a new car every 5-7 years, as I’m sure most people do. But the average car payment in America for 2019 was $554 for a new vehicle and $391 for a used one.1

    That’s a lot of money coming out of your paycheck. But if you had a down payment saved in a Short Term Goals Fund and were able to trade in your old car, your monthly payments could be much lower. A lower monthly payment means more freedom for you when making other financial decisions. You could continue to save and pay down debt instead of having a high car payment.

    Another use for this account would be to save for a down payment on a home. If you need this money in just a few years, it may be smarter to keep the money in cash so that you don’t have to worry about market fluctuations.


    I hope that you found this to be a new perspective on creating security and confidence with your money. I have found that having these 3 Money Buckets: Emergency Fund, Vacation Fund, and Short Term Goals Fund to help in surviving unforeseen financial complications, go on debt-free vacations, and to have money set aside for future opportunities.

    Key takeaways

    You can’t hope to build wealth if you don’t have the appropriate safety nets in place. Without an emergency fund, you may have to resort to debt to pay for unexpected bills, be forced to liquidate the savings you’ve worked so hard to build, or even rob your own retirement.

    • Your vacation fund can allow you to go on debt-free vacations, allowing for a truly relaxing trip. It’s hard to relax if you use credit cards to pay for these trips, because we all think about all the extra hours we have to work. Personally, I’d much rather pay cash for vacation and invest my tax refund.
    • The life you want isn’t made with magic, it’s made with money. Your 5-Year Goals fund is a great spot to save money that you need in the short term. It can be used as a down payment on your next apartment, a home, or that car you’ll need in just a few short years.
    • Creating sinking funds, like these core money buckets, will allow you to design the life you truly want to live, enabling you to pay yourself first.

    How to Start an Emergency Fund

    Disclosure: For Educational Purposes Only – Not to be relied upon as financial advice.  The views expressed are those of the author/presenter, and data is derived from sources believed to be accurate.

    How to Start an Emergency Fund

    I truly wish that money didn’t hold the social importance that it does. However, the inescapable fact of the matter is that, in order to live comfortably in today’s fast changing world, each of us needs some level of financial security.

    As a financial advisor, I see far too many people work far too hard, for far too long with little-to-nothing to show for it all. For the majority of people, all they have to show for all their years of hard work are the things they’ve purchased for themselves over the years.

    In fact, the 2016 U.S. Census Bureau reports that the median household net worth for homeowners age 65 and older is only $209,300. If you removed their house from the figure, it would only be $64,370.1

    The median best represents the middle point, where half of the households have more and half of the households have less. In a mathematical average, your top one percenters in the country would greatly skew the numbers.

    I consider an emergency fund to be one of the three money buckets required to build wealth. [deep link to post] To me, wealth is more of a number than a dollar figure. That number represents the number of months that I can live without having to work a job. 

    Unfortunately, you can’t build wealth for yourself if your solution to financial problems is to resort to debt and liquidate the investments that you’ve worked years to build. So to help you change this dangerous mindset, I want to share this Emergency Fund Guide for Beginners.

    Let’s begin.

    What’s an emergency fund?

    An emergency fund is a bank account earmarked to cover larger, unexpected expenses that you can’t pay for with your income. The keyword here is “unexpected.”

    Here are some examples of how people use money in their emergency fund:

    • Loss of income
    • Car repairs prohibiting from commuting to work.
    • Expenses related to the death or illness of a loved one (e.g. flights, hotel, etc.)
    • Events leading to unsafe living conditions (e.g. water heater, leaking roof, etc.)
    • Repair or replacement of a broken appliance (e.g. refrigerator, washer/dryer, microwave)
    • Any unexpected bill that can’t be paid through your cash flow (e.g. IRS bill, medical bills).

    There are a lot of situations where you should use an emergency fund and they can’t all be listed here. Just remember that it’s for an emergency and a last resort.

    Here are some examples of non-emergencies:

    • Not having enough money for the holidays
    • Unexpected invitation to go on vacation with friends or family
    • Losing your job and not having enough money to buy non-essential items (e.g. nothing related to groceries, utilities, shelter, or transportation to work)
    • Purchases where you’ll put the money back next paycheck.

    It’s crucial to not use or borrow money from your emergency fund for things that are not an emergency. I promise you that an expected bill or collections notice will show up in the mail right after using your emergency fund for something dumb. I’ve seen it happen too often and it’s even happened to me, of all people.

    how to start an emergency fund

    Who needs an emergency fund?

    I’d like to believe that we all need an emergency fund, regardless how much income we make. Emergency funds create a cash cushion that can help us through tough times, without having to always resort to debt to fix our financial problems. 

    If you look at what has happened across the United States with the Coronavirus (COVID-19), the virus has crippled our economy. Millions of people lost their jobs, incurred medical bills, or at the very least experienced a reduction in their income. 

    Thankfully the government intervened, providing stimulus checks and small business loans to make sure that employees keep their paycheck. But what if this only happened to your family? How long would you survive without income and where would the money come from? 

    You can’t rely on the government to bail you out. 

    If ever faced with a #moneyproblem, talk things out with your partner. Solve it (and grow) together.

    How much should I have in my emergency fund?

    Short answer: You need a minimum of $1,000 in a starter emergency fund.

    When you’re just starting out with building an emergency fund, your first goal should be to save $1,000 as fast as you can. If the account drops below that amount (because you had an emergency recently), you need to build it back up to that minimum level —fast!

    Is $1,000 enough? The simple answer is no.

    You eventually need to build this account up enough to cover 3-6 months worth of expenses, and that takes time. The importance of having a thousand dollars in this account is more for psychological reasons, but it helps you avoid more debt.

    If you look at how the government approaches budgets, it’s a “use it all or lose it next round” system. In other words, people are punished if they’re fiscally responsible. They won’t get more money next round, if they don’t use it all.

    Because of that, we’re trained as consumers to spend all of our money. Naturally, when a problem arises, we resort to debt to cover the shortfall or tap into our retirement accounts. Coincidentally, the government does the same thing.

    Currently the U.S. national debt is almost $24.5 trillion dollars and our government is dipping into federal retiree programs to help fund operations. The government is in debt and it’s tapping into retirement money.2

    Having a thousand dollars in an emergency fund changes the way you handle financial problems. You start to think differently about your money when you give each dollar a job. The goal is simply to avoid debt as a first resort.

    Debt is a thief and it will steal all your hopes and dreams. The more monthly payments you have to make, the less of your paycheck you get to keep.

    Is an emergency fund a bank account?

    An emergency fund is a bank account, but earmarked for emergencies. Because an emergency fund is critically important to avoiding debt, I don’t recommend keeping yours at the bank that you pay bills out of. 

    I’m a spender, so what works for me is an “out of sight, out of mind” approach. I like to know that the money is there if I ever need it, but don’t want to see the balance every day. And for that reason, I keep my emergency fund, as well as my other sinking funds, at an online bank. 

    I do this for a couple of reasons. First, if an emergency were really to happen, the money can be wired to my bank account within a couple of days. And second, this affords me time to process the situation, and do some critical thinking.

    My wife and I have been in a number of situations that felt like an emergency. Thankfully, we have an amazing relationship and schedule Money Dates to talk things out. But most of the time we come up with a solution that doesn’t involve our emergency fund. We have several sinking funds like our vacation fund, 5-Year Goals fund, kids activities, even a boat fund. We can borrow between each of the accounts before ever needing money from an emergency fund. 

    I’ll be honest. I have a boat fund and it’s a bad financial decision to get a boat. Sure, if I have the money to make those kinds of decisions, then great. But for now, if I have an emergency that’s the first thing that’s gonna go.  

    If you’re ever faced with an emergency, talk things out with your partner and make financial decisions together. Even if you made the wrong choice, at least you both get to learn from it. And that lesson is worth some money. 

    And just know, real emergencies rarely ever need to be resolved on the spot. They can wait a couple of days.

    How to start an emergency fund

    Okay, you want to start an emergency fund, where do you start?

    First, choose a bank or credit union that’s separate from the one that you pay bills out of. As I mentioned earlier, I recommend online banks that have no minimums and no monthly fees. They typically offer exponentially higher interest rates on savings and money market accounts, with some even offering interest on checking accounts!

    If you already have an emergency fund at a local bank, I leave it up to you to decide if you want to keep it there or move it online. In either situation, cut up any debit cards that you receive. You want to add extra steps, even days, to afford you time for critical thinking about your emergency.

    Next, you need to fund your emergency fund. Because, what good is an emergency fund with no money in it? Your goal is to save up $1,000 as fast as possible, and that will require a radically different mindset than you have today.

    If you wait until the end of the month, you’ll always find there’s nothing to save. That’s because you have this mindset of paying other people first. Instead, I challenge you to flip that around and pay yourself first.

    Paying yourself first is where you take a portion of your paycheck and add it to your emergency fund before paying any bills. It’s the practice required not only to build your emergency fund, but also to build wealth. But it does take some budgeting.

    If you need help finding some money, I created a 30-Day Money Finder Challenge that’s helped hundreds of people build their emergency fund, as well as improve their personal finances.

    You’ll get 30 days worth of financial tasks, dripped to you daily via email. Most tasks only require as little as 15 minutes, with the average person saving $500 by the end of the challenge. That’s half of your emergency fund minimum.

    30-Day Money Finder Challenge

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      Key takeaways

      • An emergency fund will help break a financial fall due to an emergency. We all need one or else we’ll always resort to debt to fix our financial challenges in life, and that won’t help you to build wealth. Debt is a thief that robs you of all your hopes and dreams.
      • A starter emergency fund needs to have a minimum of $1,000 in it. If you need to use some of it for emergencies, don’t feel bad. That’s what it’s there for. But you need to make bringing this account back up to $1,000 a priority. 
      • An emergency fund is a savings account, preferably at an online bank or credit union. Online banks tend to offer higher interest than local brick and mortar banks. Also, they don’t usually have debit cards and take a couple of days to wire the money. This affords you time for critical thinking, allowing you not to respond emotionally. 
      • To fund an emergency fund (and keep the money in there), you’re going to have to think radically different than you do today. You’re going to need to pay yourself first, which will require you to do some budgeting. 
      • You have a friend to help —me. I have created tools and resources designed to help, like my 30-Day Money Finder Challenge. If you want to chat, connect with me on Facebook or Linkedin.


      1) Wealth, Asset Ownership, & Debt of Households Detailed Tables: 2016, U.S. Census Bureau —

      2) U.S. Department of the Treasury, Bureau of the Fiscal Service —