So I love 3 things, Mondays, New years and also disaster lol, because these 3 things make for awesome excuses and reasons for people to get started and potentially make a massive change in their lives.

Now In the title of the video I said, this stuff is easy, and to me Easy is anything that you can do; so its also easy not to do. But most importantly, this plan is not extreme, it may even feels like you want to do more and you can do more, but I don’t want you to do more. Because that’s how people get burnt out, and its better to go slow and steady and make a big push and go right back to the old you.

Here the scary part this plan, is not for 2023 its for a lifetime

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1. Look at the Problem

-I remember when I was broke, every time I opened my banking app, it was a gamble

-The days it was negative it was a win

-But you can’t fix something if you keep avoiding the root of the problem

-Some people keep trying to fix their money problems by making more money it doesn’t work

January:

-Use the entire month of January to Look at your habits

-Make a list of all the things you spend money on, and organize them from wants and needs ( also write down all the money you owe, interest rates, and the amounts )

-Second make another list, every time you spend money, write it down for an entire month and why you did it

-Third: Make another list ( label it Shelter, Utilities, Food and Transportation )

The goal is:

-Look at the problem, take out all things you don’t need and keep what you do need

-Try to save money on those big things, change apartments, sell the car and so so on

2. February ( try out the budget )

-But your Budget into practice for this entire month

-Give yourself only 5-10% of your income to spend on wants that’s it ( in a separate Account )

-Keep doing everything the same ( except you don’t spend more on anything else )

The goal:

-By the end of the month

-You should have extra money saved

-Or you should have a new plan, because you didn’t save anything

-Or you need to make more money, and use that money for the next step

3. Set a Goal and Deadline

-4 goals and each has its order

First Goal: pay off debt ( using the avalanche Method before you start have $500-1k saved up for stuff that may pop up )

Second: Save 3-6 month worth of emergencies

Third: Invest 10-20% and buy a Home using the 33% rule

Forth : Keep investing 10-20% and that’s it

4. Celebrate and move on to the Next Step

-Every time you win

-You celebrate with something that’s no more than 5-10%

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*Some of the links and other products that appear on this video are from companies in which Tommy Bryson will earn an affiliate commission or referral bonus. Tommy Bryson is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. I’m an Accountant but I’m not your Accountant, always review information with your Accountant/CPA and your Financial Advisor.

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