Are You Squeezed by the Messy Middle?

In the 30s, not only do you have a ton of disposable income, you also have a tons of disposable time. If you're in your thirties and you've not figured out how to take command of your dollars, you don't know where the dollars that come in from your paycheck are starting to go into. Budgeting might be something that you have to go back to square one and start over with. You cannot have anything come out of a Tuesday in the middle of the afternoon, like an accident or medical emergency.