Mindset is important, but here’s the truth: without strong cash flow systems and habits, you’ll always feel like you’re spinning your wheels with money.

In Part 2 of my 40 Money Lessons at 40 series, I’m walking you through the practical routines that form the backbone of financial stability.

You’ll hear:

• Why paying yourself first (even $25 at a time) guarantees your future gets funded


• How to set up a monthly “money date” to check in without shame or stress


• The life-changing peace of living one month ahead on bills


• Why multiple bank accounts simplify money management and stop overdraft chaos

These aren’t flashy hacks — they’re the proven, boring-but-brilliant moves that build real wealth and lower money stress.

If you’ve been craving control over your finances, this episode is your blueprint for a rock-solid foundation.

You’ll walk away knowing:

• Why paying yourself first flips the savings script (and why “leftover money” never works).


• How a monthly money date can transform shame into clarity.


• The underrated power of living one month ahead on bills — and the instant stress relief it creates.


• Why multiple checking accounts aren’t obsessive, they’re smart structures.


• How saving monthly for big expenses stops predictable bills from wrecking your budget.


• The real cost of oversized housing — and how to keep it in check.


• Why talking about money out loud is the fastest way to get unstuck.


• And the 3-month pause rule that will save you from emotional, expensive mistakes.

Next episode, we’re talking protection — debt elimination, credit management, insurance. The shields that keep your financial house safe.

If this episode hit home, share it. Screenshot your favorite lesson, tag me
@everyonestalkinmoney⁠. And remember: money doesn’t demand perfection. It just wants you to show up.

Build the foundation. Your future self will thank you.

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