Hosted by 3 friends, Saad, Sartaj, and Seyi, talking about their experience, failures, and learnings on their financial independence journey as amateur investors on the NTTM Podcast.

In this episode we discuss why having a budget is a an important initial step towards financial freedom. We share our personal budgeting tips and techniques that we use. We go discuss how one of the hosts has been tracking each and every single expense since 2011!! (Guess who?) . We also discuss some budgeting apps and the various techniques that you can use to create personal budgets for yourself.

*Disclaimer - We are not financial experts and you should do your own independent research before making any financial decisions. Please speak to a licensed financial advisor before making any financial or investing decisions.