If you’re self-employed, in sales, or running a small business, you know the budgeting struggle is real. But inconsistent income doesn’t mean you’re off the hook — it just means you need a smarter plan.

Nick shares a four-part framework inspired by YNAB (You Need a Budget) and shaped by real-world experience:

1. Only budget dollars you have — no guessing games.
2. Prioritize spending by what matters most (including giving and saving).
3. Break big, rare expenses into monthly habits.
4. Build a buffer during your "hill" months to survive the valleys.

This episode is packed with practical help, biblical stewardship, and avocado jokes. (Seriously.)

🛠️ Tool Mentioned: YNAB’s guide to irregular income

📩 Want help building your own budget? Reach out via openhandedwealth.com/onedegree

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I want to use whatever gifts I have received to serve others, as a faithful steward of God’s grace in its various forms. — 1 Peter 4: 10

Openhanded Wealth, LLC is a registered investment adviser in Holly Springs, GA, serving Christian families and small business owners. This content is educational only and should not be taken as financial, tax, or legal advice.