Who says you have to choose between avocado toast and reaching your financial goals? 🙋‍♀️🙋‍♂️ (they’re wrong!)

Adulting is expensive AF. Between rent, bills, student loans (ugh), and the occasional impulsive online shopping spree, it can feel like there's never enough money to go around.

But what if I told you that you could still have your avocado toast AND reach your financial goals? 🥑💰

Screw those financial "experts" who tell you to live like a monk and save every penny. We're here to show you how to budget like a badass – a badass who knows how to prioritize their financial goals without giving up on living your awesome life.

Enter the "Pay Yourself First" Method:

Ever notice how your spending magically expands to match your paycheck and what’s in your bank account? That's an economic principle called Parkinson's Law in action: "Expenses rise to meet income". But fear not, Crew, the 'Pay Yourself First' method is your secret weapon to outsmart your spendy self. 🤑

This budgeting strategy is simple, effective, and doesn't require a degree in rocket science (thank god). It's like putting on your own oxygen mask first before helping others – you gotta take care of your financial health before you can truly enjoy life.

Here's How It Works (in 4 Easy AF Steps):

1. Know Thyself (and Thy Income): Calculate your take-home pay AFTER taxes. This is your starting point.

2. Set Your Goal: Prioritize your needs: 6 months emergency fund ➡️ pay off debt ➡️ invest ➡️ travel ➡️ whatever <3 desires.

3. Pay Yourself First: Choose a percentage or fixed amount to save/invest each month. (Aim for 10-20% if you can and have a long term goal of 80%+.) Set up an automatic transfer to your savings or investment account on payday.

4. Live on the Rest: The remaining money is your spending money that you can allocate to whatever categories you’d like. Track your expenses to stay within your budget and adjust as needed.

Why This Sh*t Works:

• No Willpower Required: Automating savings eliminates the temptation to spend that money.

• You Won’t Even Know The Money Is Gone: Since the money is automatically moved, you won’t even notice that it’s missing from your bank account.

• Builds Financial Discipline: You're forced to live within your means and prioritize your goals.

• Grows Your Wealth: Consistent investing lets your money grow over time thanks to compound interest.

Our Pay Yourself First Glow-Up:

We started small, saving 3% of our income while putting another 3% towards debt from school. Over time, we were able to increase the amounts and pay off our loans, eventually reaching 80%+ in savings rate. Instead of a lavish wedding and new Teslas, we invested that money, which has grown significantly. It’s allowed us to own our time and live life on our terms.

Pro Tips for Leveling Up Your "Pay Yourself First" Game:

• Start Small: Begin with a manageable savings amount and gradually increase it.

• Track Your Spending: Use budgeting apps like Monarch or YNAB to stay on top of your expenses.

• Set Realistic Goals: Don't try to save more than you can afford.

• Treat Yo'Self: Budgeting doesn't mean deprivation! Set aside money for fun and experiences.

Your Turn:

Ready to ditch the financial stress and embrace a richer life? Try the "Pay Yourself First" method and watch your bank account (and your happiness) grow.

What's Your Budgeting Strategy? Share your tips and tricks in the comments below! Let's create a community of financially savvy badasses who are taking control of their money and their lives. 💪