Budget Values & Goals:. Step-by-Step Guide

0:00Dave Roberts here. There you are surrounded by fans, sharing wings, sharing drinks, high-fiving random strangers. Everybody remembers the game. Nobody remembers the guy coughing behind you until a few days later. At 2 a.m., you wake up with a fever and your throats on fire. Now what? Urgent care, clothes, ER, slam, telehealth, maybe, but the pharmacy's clothes. You needed a medical emergency kit. These aren't first aid kits. They contain essential prescriptions used for over 30 common conditions. Sinus and ear infection, UTI, stomach bug, travelers diarrhea, and more. On hand before you need them. Use your doctor-developed guidebook to select the right prescription or call their telemedicine doctor standing by. It's like an urgent care and drugstore at home. When you're sick, traveling or stranded, you'll wish you ordered a medical emergency kit. Order online in minutes and it's shipped to your door and say $45 with my promo code blue at urgentcarekit.com slash blue. That's promo code blue at urgentcarekit.com slash blue. Yo, what's up, Gen Z?

1:02Zaden Cruz here. Your resident life coach, therapist, and height man all rolled into one. We're diving deep into something that's like super important but also kind of scary for a lot of budgeting. Yeah, yeah, I know. Sounds as exciting as watching paint dry, but trust me, this ain't your grandma's boring spreadsheet. We're going to figure out how to build a budget that actually works for you. One that aligns with your values and helps you crush those goals. Because let's be real. Living paycheck to paycheck while scrolling through influencers vacations is a major mood killer. Ever feel like you're constantly broke even when you're working your butt off? You know that feeling when you see that rent notice and your entire bank account screams? Yeah, I've been there. It's a nightmare. But here's the thing, Gen Z, you're not defined by

2:04your bank balance. Your worth isn't tied to how much cash you have in your account. But let's be honest, a little financial security never hurts. It's about creating a life that aligns with your values, not just surviving on ramen and discount coffee. Okay, so let's get down to business. Here's the blueprint. One, know your values. This is like the foundation of your budget. What's truly important to you? Travel? Supporting local businesses? Saving for a house? Figure out what matters most and let those values guide your spending. If your value is experiences, don't be afraid to splurge on a concert or a weekend trip. But if your value is financial freedom, maybe cut back on those daily lattes. Two, track your spending. No more living in the dark. Use a budgeting app,

3:05a spreadsheet, or even just a good old-fashioned notebook to track where your money is going. You'll be surprised where those little leaks are happening. Is it that subscription you forgot about? Those daily takeout runs? Seeing your spending laid out can be eye opening and help you identify areas where you can cut back. Three, create a realistic budget. This is where the magic happens. Allocate your income based on your values and spending habits. Don't try to be too restrictive at first or you'll end up feeling deprived and more likely to give up. Start with small changes and gradually work your way up. Remember, budgeting is not about deprivation, it's about conscious spending. Four, automate your savings. Set up automatic transfers from your checking account to your savings account. This way, your saving money before you even have a chance to spend

4:06it. Think of it as paying yourself first. Five, review and adjust regularly. Life is constantly changing, so your budget should too. Review your budget every month or so and make adjustments as needed. Now, let me tell you about someone who nailed this whole budgeting thing. We're talking about none other than Gary Vaynerchuk, the OG entrepreneur who started his empire with literally nothing but hustle and a killer budget. This dude started by selling wine online, using his own money to invest in his business and build a brand that's now worth millions. He's a walking, talking example of how focusing on your values and making smart financial decisions can lead to incredible success. Gary didn't just wake up with a million followers and a Lamborghini. He spent countless hours learning about marketing, building relationships, and most importantly, managing his

5:11finances. He knew the value of a dollar, even when he didn't have many. He didn't splurge on fancy things. He reinvested his earnings back into his business. And guess what? That hustle paid off. So, Gen Z, remember this. You don't need to be a finance whiz to create a budget that works for you? Just start small, be consistent and stay focused on your goals. And remember, budgeting isn't about deprivation. It's about empowerment. It's about taking control of your finances and creating the life you deserve. Now go out there and crush it. Don't forget to hit that follow button, rate the podcast, and tag me in your budgeting wins on TikTok. Let's get this financial revolution started. Gen Z. This podcast is created with the help of advanced AI to deliver thoughtful affirmations and

6:16positive messages just for you.