This episode covers the budget and why it is critical to your success for a balanced life. If you don't budget, odds are you will not be able to retire unless you are forced to.  Next is the hidden piece in managing the budget by ensuring that every bill is transformed into a fixed amount just the like mortgage and the car payment are. This ensures stability and predictability.  In the stories section: why you should change your pillow every two years and why the bed should not be made right after you get up. Lastly, chemicals and climate change have lowered much of the continent's sperm counts, and in time this may have a negative effect on the world's population.