The word "budget" often brings up feelings of restriction and stress. In this episode, we reframe budgeting not as a financial diet, but as an empowering roadmap for your money. Daniel and Shanna explore simple, sustainable methods that you can actually stick with. We’ll teach you how to use the balanced 50/30/20 rule to categorize your spending without getting overwhelmed, and we’ll explore the power of the "Reverse Budget" for those who hate tracking every penny. Find the right method for your personality and feel in control of your cash flow.

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Why is it so hard to save money, even with the best intentions? In this episode, Daniel and Shanna are joined by First Century Bank President & CEO Rob Barger to discuss the single most powerful habit for building long-term wealth: Paying Yourself First. Rob explains the crucial mindset shift from "saving what's left" to treating savings as your most important bill. We’ll discuss how to start saving even if you feel you're living paycheck to paycheck and why automation is the secret weapon for effortless, consistent success.

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Your three-digit credit score holds incredible power over your financial life, affecting everything from loan rates to insurance premiums. But how is it actually calculated? In this deep dive, we pull back the curtain on the credit score formula, breaking down the five key ingredients that make up your score and revealing which ones matter most. We'll also bust common myths, like why you don't need to carry a credit card balance to build credit, and provide simple, practical habits you can start today to build a positive history.

Subscribe today and send your questions to podcast@fcbtn.com.