The Money Mantra

Your budget needs these 8 sections, in order👇🏽 1. Expenses: fixed and variable (fixed are bills/those with a due date and variable are those that change month to month like groceries and dining out) 2. Emergency Fund Contribution (check out my EF 101 video a few reels back for details on this savings effort) 3. Extra debt payments: crush high-interest debt as fast as you can 4. Investing 5. Saving (4 & 5 may flip from time to time and that’s okay) 6. Investing for your family/Giving 7. Fulfillment Portfolio™️ at the family level (date night, renovating the kitchen) 8. Fulfillment Portfolio™️ at the individual level (hobbies, gifts for friends, etc.) —————- Budgeting should not involve guesswork. The 8-Part Budget Template for Google Sheets is an excellent tool to organize your entire financial landscape! It’s linked and comes in 2 designs. I have this system to thank for taking us from negative 5-figure net worths to being on track to retire by 45. And you can do it, too! #budgettemplate #budgetspreadsheet #budgetingforbeginners #budgetingisfun #wealthplanner #wealthbuilding #financialindependenceretireearly #familyfinance #momswhobudget

Her foundation will be ROCK SOLID. 😤 ***Income clarification: $2,850 take home + stipends! Millionaire in the Making episode 5! This one is full of gems: 👉🏽 emergency fund calculations + planning 👉🏽 how she can balance investing with a LARGE savings goal 👉🏽 investing order of operations 👉🏽 the role of a taxable brokerage in her lineup 👉🏽 cutting 8-10 YEARS off of her expected retirement age 🤩 all in 26 minutes 😏 🎥 See the full video on the red play button app! Link is on my page. #financialliteracy #financialindependenceretireearly #budgetspreadsheet #budgetplanner #organizedmom #budgetcoach #budgetingisfun #wealthplanner #womenintech #womeninfinance #wealthmindset #howtobudget #howtoinvest #retireearly

Build the foundation with the bricks you have. Then worry about more. #financegoals #budgeting101 #howtobudgetandsave #budgetplanner

Don’t let these dollars fly away! A budget is simply a plan, and it’s helpful at all income levels. In fact, MORE money means there is MORE at stake. What you do with discretionary income either opens the door to wealth, or it keeps it in the distance. You get to choose. The 8-Part Budget has been my bridge from spender to wealth-builder. From a ➖$20,000 net worth at 27 to now leading my family to early retirement in our 40s. HOW you budget matters! 👉🏽 Follow @raemichelleplanners to get organized and get wealthy - withOUT deprivation at the helm of your strategy. We’re about balance and intention around these parts. 😌 Rooting for you, Rachel •••••••••• Budget template • Budgeting for beginners • Financial literacy • Debt payoff • Budget planner • Budget coach • Easy budget • Budget spreadsheet • Family finance

The 2.0 version of you has a budget. And that may seem backwards to you. “Budgeting is for broke people.” The sooner you smash that mentality and realize that 50/30/20 and The Baby Steps aren’t your only options (which are great for some, but to put it plainly - they are not comprehensive enough for you), the “bigger picture” becomes clearer. Wealth-building starts with the “extra” in your budget. The 8-Part Budget helps you brilliantly multi-task your discretionary income. Budget to invest. Invest to build wealth. Head to part 2 to see it all come together! ••••••••••• Budgeting • Budget Planner • Personal Finance • Family Finance • How to Budget • Budget Spreadsheet • How to save and invest