Why does getting control of money feel like such a weight off your shoulders? In Part 3 of our Money mini-series, Tim takes you through the painstaking breakdown of his finances: line-by-line audits, subscription purges, disaster funds, bulk-buy planning, and the relief of finally having a monthly strategy.

We dig into:

• Why a lack of control fuels money anxiety
• How systems and habits ease the stress
• The gaping hole in financial education — was that neglect, or design?
• The debt spiral of credit cards, interest-only payments, payday loans
• Why the system feels rigged, and how to fight back
• How to actually teach kids (and yourself) money discipline

Disclaimer: We’re sharing personal experience — not financial advice. Lessons learned the hard way, and hopefully a bit of peace of mind for anyone in the same boat.

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