Rob Dial

So you can either decide that you can just remain ignorant to the fact that you don't understand how money works, or you can go, you know what? I'm in this game. I need to figure it out. And if you do that and you start learning about it, you realize it's really not that complex. You might go, well, I might need to change my job. I might need to make a budget. I might need to do this.

So you can either decide that you can just remain ignorant to the fact that you don't understand how money works, or you can go, you know what? I'm in this game. I need to figure it out. And if you do that and you start learning about it, you realize it's really not that complex. You might go, well, I might need to change my job. I might need to make a budget. I might need to do this.

So you can either decide that you can just remain ignorant to the fact that you don't understand how money works, or you can go, you know what? I'm in this game. I need to figure it out. And if you do that and you start learning about it, you realize it's really not that complex. You might go, well, I might need to change my job. I might need to make a budget. I might need to do this.

I might need to do that. And so the action step I want to give you from this is to make some form of a budget. You'd be so surprised where your money is going if you think that you have none. And we will be right back. And now back to the show. I remember when when Laura and I first started dating, you know, 11 years ago at this point, she had a job. She moved up to Austin from San Antonio.

I might need to do that. And so the action step I want to give you from this is to make some form of a budget. You'd be so surprised where your money is going if you think that you have none. And we will be right back. And now back to the show. I remember when when Laura and I first started dating, you know, 11 years ago at this point, she had a job. She moved up to Austin from San Antonio.

I might need to do that. And so the action step I want to give you from this is to make some form of a budget. You'd be so surprised where your money is going if you think that you have none. And we will be right back. And now back to the show. I remember when when Laura and I first started dating, you know, 11 years ago at this point, she had a job. She moved up to Austin from San Antonio.

I was up in Austin and she had a job for about probably about nine months. And she's like, I have no money. She kept saying that. I was like, well, OK, like how much money do you make every other week? She told me how much money she makes every other week. I said, OK, well, like how much? How much do you have that goes to rent?

I was up in Austin and she had a job for about probably about nine months. And she's like, I have no money. She kept saying that. I was like, well, OK, like how much money do you make every other week? She told me how much money she makes every other week. I said, OK, well, like how much? How much do you have that goes to rent?

I was up in Austin and she had a job for about probably about nine months. And she's like, I have no money. She kept saying that. I was like, well, OK, like how much money do you make every other week? She told me how much money she makes every other week. I said, OK, well, like how much? How much do you have that goes to rent?

How much do you have that goes to your phone, to your car, to your insurance? And I added it all up. This is a true story. I'd all up and I go, because I'm a big numbers person. She's not as much of a numbers person as I am. I go, Lauren, there's $500 that you're making that's not accounted for. Like, where's the other $500 going? And she's like, there's no way there's $500.

How much do you have that goes to your phone, to your car, to your insurance? And I added it all up. This is a true story. I'd all up and I go, because I'm a big numbers person. She's not as much of a numbers person as I am. I go, Lauren, there's $500 that you're making that's not accounted for. Like, where's the other $500 going? And she's like, there's no way there's $500.

How much do you have that goes to your phone, to your car, to your insurance? And I added it all up. This is a true story. I'd all up and I go, because I'm a big numbers person. She's not as much of a numbers person as I am. I go, Lauren, there's $500 that you're making that's not accounted for. Like, where's the other $500 going? And she's like, there's no way there's $500.

I'm like, I'm literally looking at there's $500 a month that you have extra after your bills that's coming in from your paycheck after taxes. She's like, there's definitely not. And I said, okay, well then let's do the hard thing. do you want to go ahead and print out the last three months of your debit card? And you and I can literally go through every single one of them.

I'm like, I'm literally looking at there's $500 a month that you have extra after your bills that's coming in from your paycheck after taxes. She's like, there's definitely not. And I said, okay, well then let's do the hard thing. do you want to go ahead and print out the last three months of your debit card? And you and I can literally go through every single one of them.

I'm like, I'm literally looking at there's $500 a month that you have extra after your bills that's coming in from your paycheck after taxes. She's like, there's definitely not. And I said, okay, well then let's do the hard thing. do you want to go ahead and print out the last three months of your debit card? And you and I can literally go through every single one of them.

I can categorize them for you and we can figure out where the money's going. She's like, sure, because I'm going to show you there's not $500 extra. I was like, all right, cool. And so we did it and took us a couple hours to do. We categorized every single thing that she went through. Ended up finding out where the $500 a month was going to. Do you want to know where? Target.

I can categorize them for you and we can figure out where the money's going. She's like, sure, because I'm going to show you there's not $500 extra. I was like, all right, cool. And so we did it and took us a couple hours to do. We categorized every single thing that she went through. Ended up finding out where the $500 a month was going to. Do you want to know where? Target.

I can categorize them for you and we can figure out where the money's going. She's like, sure, because I'm going to show you there's not $500 extra. I was like, all right, cool. And so we did it and took us a couple hours to do. We categorized every single thing that she went through. Ended up finding out where the $500 a month was going to. Do you want to know where? Target.

Because she would just walk into Target and just randomly buy shit. And that's what Target's made for, right? And so she was like, I'm just gonna stop going to Target. She stopped going to Target and she was able to start saving money because magically she had $500 more in her bank account every single month. And so...

Because she would just walk into Target and just randomly buy shit. And that's what Target's made for, right? And so she was like, I'm just gonna stop going to Target. She stopped going to Target and she was able to start saving money because magically she had $500 more in her bank account every single month. And so...