You don't have to choose between paying down debt, building savings, and investing. The 80/20 money move is the framework that lets you do all three — with the money you already have.

What if you treated your money like Spotify Wrapped — not to judge it, but to actually understand it?

Money Wrapped is a practical, no-shame way to review what you really did with your money, name your wins, spot the leaks, and build goals that fit your life and capacity. This post walks you through how to reflect on your spending, savings, habits, and long-term planning so you can stop guessing and start aligning your money with what you want next.

This is the same end-of-year review I walk clients through — and it works no matter the year you’re reading this.

I also break this down step-by-step on YouTube if you want to watch and reflect alongside me.

Most folks run everything through one bank account — one band, one sound — but that might be the very thing keeping your money unorganized. In this post, I break down how to use multiple bank accounts to create a simple money system that actually makes sense. You’ll learn how to audit your wallet, separate your Essentials, Extras, and Enhancements, and set up the right accounts so your money has a job… and finally does what you need it to do.