This is how we stay on track to retire early.

💰 Try Monarch Money (Free Trial): https://secure.moneymatchup.com/jj-mm Confession time… I’ve been slacking. Even though I talk about money for a living, there are seasons where life gets busy and I stop paying as much attention to our budget as I should. Then one day you realize you’ve been spending more than normal, subscriptions have piled up, goals are moving slower than you’d like, and you’ve been saying, “I’ll look at it next week” for about 6 weeks. That was me. So today I spent FOUR HOURS going through our family budget and getting everything back on track. Here’s what I’ve learned over the years: building wealth isn’t about being perfect. It’s about resetting quickly when you get off track. Budgeting isn’t restrictive. It’s freedom. It’s knowing that if life happens, you’ll be okay. It’s knowing you’re still moving toward your goals. It’s knowing retirement isn’t just a dream someday. For us, that’s FIRE (Financial Independence, Retire Early). I genuinely believe budgeting has had a bigger impact on building wealth for our family than almost anything else we’ve done. I’ve tried just about every budgeting app out there, and Monarch Money has been my favorite because it keeps everything in one place and makes it ridiculously easy to stay on top of our finances. If you’ve been putting off your budget, let this be your sign to spend an hour getting back on track. Comment BUDGET below and I’ll send you a FREE trial of Monarch Money plus 50% OFF your first year.

Added 30 Jul 2026