Now, I have an Excel spreadsheet with a separate column for each upcoming pay check. After re-listening to The Total Money Makeover, I got a second savings account to hold my emergency fund and long-term savings, making it easier to separate between current accounts and short-term savings. Before, I always felt at a loss when it came to budgeting. Now, with a steady income (and some monstrous student loans) the lessons are relevant, actionable, and empowering. The first two times, I was still in school and had no income, so felt powerless to act on its lessons. I recently listed to The Total Money Makeover for the third time and it clicked. I have business degrees from Wharton (BS) and Stanford (MBA), but like most Americans from middle class backgrounds, I never got much training in personal finance and always felt bewildered by it.
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