The Money Routine That Will Change Your Finances

#004 - Eduek breaks down the simple money routine that helped her pay off $47,000 of debt, invest $30,000, and build a fully funded emergency fund in under three years. The key is not doing the most, it’s building an efficient money system once, then maintaining it with a routine that can take as little as five minutes.

 

Key Takeaways

  • Why a consistent money routine is a non-negotiable in 2026
  • How to build your money system one time (income, expenses, categories)
  • Why you should budget using take-home pay and plan for your lowest month
  • How to categorize spending with the 5S framework (Security, Safety, Survival, Satisfaction, Stewardship or Solvency)
  • How to balance your budget to zero so every dollar has a job
  • Paycheck split and bank account split to avoid overdraft and overspending
  • A simple routine: budget before payday, transfer on payday, track mid-month, adjust as needed

 

Resources Mentioned

 

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