Inside, I'm going to show you the 4-step process that can stop negative, reactive spending habits in their tracks and get you on the path to saving, giving, and enjoying more of your money:

**Identifying** the biggest (and messiest) money opportunities with the 'RFC' matrix.
**Managing** your biggest opportunity with the 80/20 Budget.
**Redirecting** the surplus where you want it to go (practicing JOMO instead of FOMO).
**Enjoying** the margin you create from decluttering (how to spend more on what brings you joy).

Watch this episode on our SeedTime Money Podcast YouTube channel(https://youtu.be/b__yWggOU5s )!

If you haven't checked out our best-selling book Simple Money, Rich Life (https://seedtime.com/smrl/), we think you'll love it. It was named the 2022 Book of the Year by ICFH and has over 600 5-star reviews on Amazon, and is best described as "a money book for people who don't read money books."

You can take it for a test drive for FREE at https://SeedTime.com/sample where you can download chapter 1 of the audiobook, grab the 1st 2 chapters of the ebook version, and even get the 5-week book study companion guide.

The 'Chaos Loop' and the 'Freedom Loop'