Most money stress isn’t about income, it’s about how money flows.
In this episode, John Kennedy, CFP® breaks down the difference between spending up and spending down, why budgeting often feels frustrating, and how small system changes can create real clarity. He shares a simple framework for managing cash flow and building habits that actually stick. If you’ve ever felt like you’re earning enough but still wondering where your money went, this episode will help you reset the way you think about spending.
Resources mentioned:
- Free Financial Online Course: YourMoneyStory.app
- Live Webinar on Feb. 17th - Your Money Flows: Bringing Order to Your Daily Budget
- 00:09 The Real Problem: Money Psychology
- 02:14 Spending Up vs. Spending Down
- 05:21 The Power of Cash Flow Management
- 05:57 Implementing the Three-Account System
- 08:15 Join Our Free Online Course
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