My personal realization that non-financial investments - like prioritizing sleep, exercise, relationships, personal interests outside of work, and diet - are crucial for securing long-term financial independence and a high quality of life.

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.