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January 27, 2026

The Money Routine That Will Change Your Finances

33 minutes

#004 - Eduek breaks down the simple money routine that helped her pay off $47,000 of debt, invest $30,000, and build a fully funded emergency fund in under three years. The key is not doing the most, it’s building an efficient money system once, then maintaining it with a routine that can take as little as five minutes.

Key Takeaways

Why a consistent money routine is a non-negotiable in 2026

How to build your money system one time (income, expenses, categories)

Why you should budget using take-home pay and plan for your lowest month

How to categorize spending with the 5S framework (Security, Safety, Survival, Satisfaction, Stewardship or Solvency)

How to balance your budget to zero so every dollar has a job

Paycheck split and bank account split to avoid overdraft and overspending

A simple routine: budget before payday, transfer on payday, track mid-month, adjust as needed

Resources Mentioned

Surplus Stack System and

Surplus Stack Society

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