Latest / Budgeting for Beginners with Fexingo: Cash Envelopes, Apps, and Simple Money Tracking
The Savings First Budget That Changes Your Math
Most budgeting advice starts with expenses and hopes something is left over. Episode 36 flips that script with the 'pay yourself first' method. Lucas breaks down why shifting your savings to the top of the budget — treating it like a fixed bill — can transform your financial picture. He walks through how to calculate your minimum savings rate using net income and fixed costs, and shares a real example from a listener who went from saving $80 a month to $650 in six months by automating transfers on payday. Luna pushes back on the 'I can't afford to save' objection, and…
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