.Not having a money plan is like throwing spaghetti at the wall and hoping it sticks. In this episode of the Māori Millionaire Podcast, I’m walking you through the exact steps to create a money plan that actually works – one that helps you stop overspending, save with intention, and align your money with your values.

Here’s what we cover:

• Why having a money plan is essential for financial success
• How to figure out your true income (even if it changes week to week)
• A simple way to track your fixed expenses like rent, bills, and groceries
• The power of value-based spending (and how to cut back on what doesn’t matter)
• How to set up bank accounts for annual + monthly costs so you’re never caught off guard
• The one document you need to bring all your money together in one place

By the end, you’ll have a clear starting point for building your money plan and taking control of your finances.

✨ If this episode helped you, share it with your friends or followers and tag me – @maorimillionaire_ – I’d love to see your money journey!

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📌 Disclaimer: I am not a qualified financial advisor. This content is for educational purposes only and should not replace professional advice. Please seek guidance from a trusted financial adviser for your personal situation.