Dave Ramsey

We're paying the auto payment comes out here.

This other payment comes out here.

The paycheck planning aspect, it's called, and if you use the EveryDollar app, shows you how to do that.

And so you need to plan out every situation there.

But, hey, we're honored to have you as a new listener.

yes so don't plan to spend money you don't have in your account and your need for a buffer goes away other than a common sense of 50 or 100 bucks or something for slippage you're little you know something being off 20 cents or something you don't do that we don't want to tooth up anything but but this concept of slosh right because that covers my lack of detail and sticking to the detail that that's not you don't need slosh that's right that's not good but yeah and a lot of people do that so the trick is the thing that happens is your brain

And you and I have been talking about this in a bunch of other areas too.

Your brain, the neuroplasticity, your brain rewires itself when you start making every single dollar come out when it's supposed to.

Give every dollar of your income a name before the month begins.

You and your spouse spit, shake, and pinky swear that we're sticking to this contract that we just wrote down.

Something happens and changes from that chaotic wild man that you were before, and it takes about 90 days for that rewiring to completely occur.

And that neuroplasticity, it changes your behavior.

It's a behavior transformation.

And so the detail matters in that situation because you're forcing your brain to work really hard.

Yeah.

That's what you want.

This is The Ramsey Show.

Thank you.

Hey guys, Dave Ramsey here.

Winning at money is 80% behavior and 20% head knowledge.