09/20/2025
Most of the stress is due to finances.
It’s a fact. Research proved it.
If you can get them right, you will live much better.
Start with the basics:
1. Download 3 months of credit card and bank expenses
2. What did you buy that you don’t need? Can you negotiate on the price or switch for some of the items?
3. If you don’t need something you bought, can you return it?
4. What recurring expenses do you actually need?
From the above, you could likely find $100-200 of savings per month.
Put that towards your 401k/403b.
Don’t overcomplicate it.
