Let me say that again a little differently. The balance you strike between income and spending is the most important predictor of your financial future there is. (Maybe this is hard to believe, but I see this every day.) Don’t spend enough and therefore fail to enjoy the life they could.I say that because of my experience.Īnd my experience tells me that folks who don’t use a budget either: That’s right.Įven if you had Warren Buffet working for you, it would be useless if you didn’t know where and how you spent your money. And even though I’m a professional financial advisor and CERTIFIED FINANCIAL PLANNER™ Professional, what you do financially dwarfs the importance of my work. I finally broke down and decided to review YNAB, better known to some as You Need A Budget, the premier personal budget software package.
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