Action Steps:
Track every expense for 30 days.
Create a simple 50/30/20 budget: 50% needs, 30% wants, 20% savings/debt.
Set an automatic monthly transfer to savings—even if small.
Self-Discipline in Money and Finances
Spend less than you earn. Save and invest wisely. Tracy insists on avoiding debt, budgeting, and being financially self-reliant. Financial discipline builds long-term freedom.
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