I’ve tracked expenses since I was 20, but my number always fluctuated by up to 40%. I share why I could never set a fixed budget, and how discovering the term Spending Plan provided the clarity and calm I needed. The difference is the shift from a fixed ceiling to a dynamic blueprint that reflects my ever-changing life.

After building your financial foundation, it's time to go on offense. In Part 3 of this series, we move from safety to strength by defining your personal "Feel Safe" number and exploring the psychology behind the powerful $100k net worth milestone - the point where your money truly starts working for you.