Dave Ramsey

How are you?

Better than I deserve.

What's up?

Well, we can certainly try.

Okay.

So usually when people experience that problem, there's one or two things or both at play.

So either your income, the money that you're bringing in is not enough, or there is something in your expenses that needs to lower or a combination of both.

Or just shared disorganization, which we have no idea where the money goes, and so it just leaves.

Exactly.

Okay.

So then that's Dave's point.

So what we're going to set you up with is EveryDollar.

EveryDollar is going to be the tool that's going to give you organization.

It's the best budget app that's out there.

And so when you open up EveryDollar, it's going to ask you some questions about yourself.

It's going to ask you about your goals.

But once you get into the actual budget, you'll have a place where you can list your income.

And you'll have a place where you can list all of your expenses.

And the goal is to list out everything that you could possibly spend money on until you hit zero.

That's called a zero-based budget.