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This episode is your roadmap from beginner to mastery. We start with debt guardrails, then level up your spending from “live below your means” to using budgets, sinking funds, and finally cash-flow management that supports a healthy lifestyle. On the investing side, you’ll learn why time in the market beats timing, why saving 25% of gross income is the sweet spot, and how to keep portfolios simple with low-cost target-date index funds and the three-bucket strategy (pre-tax, Roth/tax-free, after-tax). We wrap by helping you calculate your FI number so you can align today’s decisions with the life you actually want.
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It's like finding some change in the couch cushions.
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