73// "The Ladder of Future Thinking" with your Money

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Are you only thinking about right now when you budget—just making it through the week or the month? Or maybe you’re swinging the other way, thinking about retirement decades from now but not sure how you’ll cover next season’s expenses.

In this episode, I’m introducing you to something I call the Ladder of Future Thinking—a simple way to look ahead in your budget without feeling overwhelmed. I’ll walk you through how to plan for:

• Within the month: Making adjustments so your budget actually works
• Season to season: Saving for the things you know are coming
• Year to year: Preparing for annual expenses and big goals
• Multiple years ahead: Setting yourself up for stability, freedom, and less stress

Because budgeting isn’t just about being organized—it’s about creating stability, building wealth, and having the freedom to say “yes” when you want to.

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