This does not need to be overly complex and can even be handwritten. You need to list your sources of income; wages, dividends, interest, side hustle income etc. Then you list your expenses; rent or mortgage, property taxes, car payments, repairs, utilities, entertainment, retirement contributions, etc. The key is to then subtract the expenses from the income to see if you are cashflow positive or negative. If the number is negative, there are only two solutions, start making more income and cut some fat from the budget. Unless you can get yourself to cashflow positive, you will struggle to save for retirement.
Why Rescue Earthworms after Rain?
In heavy rain, many earthworms (and fellow invertebrates) migrate to the surface. They do this for one reason: to breathe. Earthworms follow a diurnal…