Where Does All Your Money Actually Go? (Ep #64)
I give myself an unlimited budget for books. I also track basically every dollar my wife and I spend. Those two things sound like a contradiction, but they're actually the whole point.This is how we decide what to spend on without an ounce of guilt, and what to cut without feeling deprived. Turns out "budgeting" done right feels less like punishment and more like permission.I'm no financial advisor, just someone who loves this stuff enough to do a whole solo episode on it. This is exactly what works for us.What you'll take away:The "spend ruthlessly, cut ruthlessly" rule that flips budgeting from restriction into permissionWhy you literally cannot fix your spending until you can see all of it in one placeThe forgotten subscription hiding in your statements right now (mine was $20 a month)Chapters:00:00 Cold open00:30 The paycheck-to-paycheck stat that includes high earners02:00 Monarch: putting every account in one dashboard04:30 Spend ruthlessly on what you value (and my book budget)06:30 Housing, childcare, and the expenses you can't change07:30 The counterintuitive grocery move08:00 Using AI to audit your spending09:00 What's your biggest line item? (drop a comment)🔗 Links mentioned:Monarch MoneyI Will Teach You to Be Rich by Ramit Sethi📬 Follow Curiosity Class:YouTubeSpotifyApple PodcastsLinkedInInterested in sponsoring? curiosityclasspod@gmail.com