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Zero-based budgeting gives every dollar of your income a specific job until nothing is left unassigned. This helps you intentionally direct your money toward your true priorities. What Is Zero-Based Budgeting? The formula for zero-based budgeting is simple: When implemented correctly, your bank account balance matches the remaining balance in your budget. This approach creates […]

Let’s clear up the biggest confusion right away: a “contributory IRA” is simply another name for a traditional IRA. If you’re self-employed, have maxed out your 401 (k), and are looking for more flexibility, you should consider a contributory IRA. What is a “Contributory IRA” Anyway? The term “contributory” is mainly used to distinguish it […]

Emotional spending happens when you buy things to feel better rather than because you need them. It’s using shopping to manage feelings like stress, sadness, or boredom, often leading to regret and financial problems later. What Is Emotional Spending? Unlike planned purchases, emotional spending happens on impulse when your feelings are running high. You might […]

From sponsorships and affiliate links to live events, courses, and memberships, successful podcasters stack multiple income streams tailored to their audience.  Here’s exactly how to monetize your show, with real examples of how I’ve run mine throughout the years, and what you need in place first to make it work. 1. Sponsorships And Advertising Sponsorships […]