Overcoming Financial Stress With The Saver And The Spender

We believe fiscal fitness is all about creating a plan for your money that you love, building the habits to work that plan, and then challenging yourself to set a goal and go after it.   If you think about an area of your life where having a plan helps - think of meal planning, fitness training schedule, macros - it gives you peace of mind. You know what you have to do. It makes decision-making easier and faster.   Enter the dreaded budget. Unfortunately “budgeting” as most of us know it is a flawed system. It assumes that payday is at the beginning of the month, all bills are paid immediately, and everything in life happens in a snapshot on that payday.   This type of budgeting doesn’t work, and it’s the reason most people think they’re just “not good with money.”   In reality, we know they just need a better system, one that helps them plan by paycheck for the things that come up in any given pay period, while still saving for the expenses that don’t show up in a monthly budget but definitely still