It’s the beginning of a new year – a time when many of us make resolutions to improve our lives. But how often do we resolve to improve the way we feel about our finances? In the latest episode, Phil explores the crucial transition from saving to confidently spending your hard-earned funds.

Here’s what we discuss in this episode:

0:00 – Intro

1:51 – Spending with confidence

8:41 – Spending guardrails

12:02 – Tips for those who are afraid to spend

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