In this episode of Budget in a Book, we unveil the unsung hero of budgeting: sinking funds—aka the Beyoncé of financial planning disguised with the worst name ever. With wit, sass, and a healthy dose of real talk, we break down how to stop being financially ambushed by predictable expenses like birthday gifts, car repairs, and surprise school field trips. You’ll learn how to make a list of those sneaky costs, divide them into manageable chunks, and label your savings like a hyper-organized Virgo with a label maker. It's not glamorous, but it is the secret sauce to turning "I’m broke" into "I planned for this." No glitter pens required—just slightly less delusion and a touch of consistency.