Chris Hill: Most people do not want to track money. All they want is for their money to do what it's supposed to do and make sure they can go out and eat at a nice restaurant and not worry. He recommends using his conscious spending plan, four numbers that are all you need to track. And finally, my favorite one, guilt free spending 20 to 35%. Now imagine the relief where you plug in your numbers,. It takes 20 minutes.

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