Trying to manage money with willpower alone rarely works.

In this episode of the Our Two Cents Podcast, we talk about why financial systems are far more effective than relying on discipline when it comes to managing money.

Early in our marriage we had very few systems in place, which led to frustration, decision fatigue, and even the occasional overdraft fee. Over time we realized that putting simple systems in place made managing money much easier.

We share the financial systems we use today that help us stay consistent with our goals.

In this episode we discuss:

• Why willpower alone doesn’t work with money

• How systems reduce decision fatigue

• Automation and why it simplifies finances

• Monthly money check-ins for couples

• Savings buckets and sinking funds

• The difference between budgets and spending plans

• How systems help you stay consistent with financial goals

Financial progress often comes down to consistency, and systems make consistency possible.