It wasn’t that long ago that the world was in financial chaos. The 2008–2009 crisis wiped out jobs, homes, and retirement accounts seemingly overnight. Families struggled to make mortgage payments, businesses closed their doors, and people who once felt secure suddenly found themselves wondering how they would afford groceries. It…

Most people think budgeting is enough. And don’t get me wrong—a budget is essential. It shows you what’s coming in, what’s going out, and whether you’re living within your means. But here’s the problem: a budget alone doesn’t give you the full picture. Think about it. Businesses don’t just track…