Rachel Cruze

What would that be?

Yeah, so what's the part of the organization that's been hard for you guys, David?

Is it doing a budget and sticking to it?

Is it trying to figure out what debts to pay first?

When you ask about organization, what specifically are you all struggling with?

Yeah, just like monthly expenses that come up that you didn't plan.

Yeah, for sure.

Yeah, so I think that's one reason the budget is so helpful.

We'll give you a year of every dollar because it is knowing that you have a plan and anything outside the plan, there's kind of the simple word of no, of like we can't do that.

We didn't plan for this.

baseball signups that's an extra 300 bucks or whatever and you're like nope can't do that like I mean it just it really kind of forces you especially where you guys are how how tight everything is like it really does kind of create a black and white scenario for a lot of these situations where before you kind of finagle it and like I will just charge on the credit card and figure it out later but

When you live on a zero-based budget, it really is directing you to your decision-making, which is fabulous.

So you guys sitting down and doing that and then starting to pay off this debt, smallest to largest.

And so I don't even know.

Can you sell the lawnmower and get some cash back?

Insurance, yeah.

And it's easy, David, that with the premium version, you connect your bank account.

So anytime you guys swipe your debit card, because no more credit cards, when you're swiping your debit card out of the checking account,

a transaction pops into that app and you drag and drop it so you can see literally how much you have left in each category.

Like it is right there with you.