What’s Your Real Net Worth (and Why Track It)?
How to calculate net worth: add up everything you own, then subtract everything you owe. Track the trend quarterly, since it is the real scoreboard, not your income.
Budget Around Goals, Not Percentages
How to budget by goals when 50/30/20 fails: give each goal a target and a date, automate it on payday, and let needs and wants flex around what is left.