If you want to live your dream retirement, one of the most important tools you will use is a budget.
When most people create a budget, they begin in the wrong place: on a sheet of paper. Yes, you’ll do that, but that’s not the first step. The first step in creating a budget is dreaming. Yes, you heard us right. Dreaming. What could your life be like if you weren’t drowning in debt? How would you feel if you could put away serious cash for your retirement—a retirement you want?
You might have tried the budgeting process before. Maybe it didn’t work then, but this time will be different.
Chris Hogan's Guide To Budgeting
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