Nationally about 30% of Americans keep a written budget each month. On the flip side, 76% of Americans live paycheck-to-paycheck.

What I have found is that those who are in debt don't keep a budget, while those who do are able to get out of debt and build wealth.

In this episode, I discuss what a Zero-Based Budget is, how it can help you get out of debt, and why it is an essential foundation to your personal finance plan.

Check out our online tutorials, templates, forms, and other debt fighting tools at http://Legal.Coach