00:00It's estimated that 69% of Americans live paycheck to paycheck because they spend most of their
00:05disposable income and they wait until they unlock the social security perk which they reach at level
00:1170 and a half and even that promo is set to expire. So we want to get there faster than the average
00:17person and there's three ways to do that. You could either make more money, spend less money,
00:22or both. Whichever path you choose, the first step is to realize how much money you make,
00:29how much you're spending and that's how you can create a budget by tracking all those little
00:34categories and figuring out how much money in total you'll need. The faster you know this,
00:39the faster you will win.
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