Chapter 6: SpendFuture - Planning for What Doesn't Happen Monthly

Money Made Human Podcast · Aug 13, 2026 · 12m

Here's the wave that makes so many capable, responsible people feel like they just can't get ahead. You have a good month, put a little toward a card, and then the tires and the vet bill land in the same week and it's gone.

In this episode, Kelsa reads Chapter 6 of SpendFirst, about SpendFuture, the money you set aside for the expenses that don't show up every month and always seem to arrive at the worst time. That money is a sinking fund, set aside a little at a time so each expense is already handled when it lands. You build it as you budget by paycheck instead of by the month. You'll meet…