Feeling overwhelmed about how to improve your finances? In today’s episode, I’m breaking down how to complete a personal finance audit in a simple, actionable way. No complicated spreadsheets are required. This personal finance audit is just one way to not only improve your personal finances but help you get ready for retirement. 

What You’ll Learn in This Episode:

🔹 Learn how to categorize and track your expenses, from fixed bills to everyday spending like groceries, fuel, and entertainment. I’ll show you how to spot opportunities to improve your personal finance situation without feeling restricted.

🔹 Find out how to calculate your current savings percentage and why it’s a key indicator of financial stability. Plus, I’ll share a powerful mindset shift to help you balance saving for today while also preparing for your retirement.

🔹 Debt vs. Savings: I dive into the age-old debate of whether to save for retirement or pay off debt. Listen in as I share a real-life client scenario and how we determined the best approach for her financial situation and retirement goals.

If today’s episode sparks the need for deeper financial insight, I invite you to join my Retirement Ready VIP Session, where we take a detailed, personalized approach to your financial audit and create a clear plan forward.

Mentioned in This Episode:

🎧 Episode 30: Why Savings is the #1 Financial Habit

🎧 Episode 5: Should You Pay Off Debt or Save?

🎧 Episode 102: Redefining Your Debt Relationship and Taking Control For Retirement

If this episode helped you gain clarity on your finances, share it with a friend and leave a review. 

Send me an email with your questions, thoughts, and takeaways from the podcast: [email protected]

Book your Retirement Roadmap Session today and take the first step toward simple stress-free saving

Book A Free Clarity Connection Call to chat about working with me

Or, grab one of my free resources to help you take the first step:

5 Must-Do Steps for Retirement Planning — A simple guide to help you prepare with purpose

Retirement Ready Checklist — Make sure you’re not missing a single step on the road to retirement