- Let's Get Real w/ Stoy Hall, CFP®
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- BUDGETING: THE ONE WORD THAT MAKES YOU WANT TO VOMIT
BUDGETING: THE ONE WORD THAT MAKES YOU WANT TO VOMIT
...but might be the only thing standing between you and actual wealth

I just dropped a truth bomb that's going to make 68% of you uncomfortable.
That's right – a fresh episode of Let's Get Real is live, and I'm tackling the B-word that gives most people that "sick vile feeling" in their stomach.
BUDGETING.
Look, I get it. Nobody wants to talk about it. The media's been telling us to soften it up and call it a "spending plan" for years. Meanwhile, the world's most successful companies are using the term "budgeting" in their meetings every damn month without flinching.
So why are we so afraid of it personally?
In this raw, unfiltered episode, I break down:
Why only 32% of Americans have a detailed budget (and what the other 68% are missing)
The shocking reality that 60% of Americans couldn't handle a $1000 emergency without spiraling into debt
A simple exercise to identify where your money actually brings you joy vs. where it's being wasted on shit you don't need
Why having regular "money talks" might be the missing piece in your financial puzzle
The truth about budgeting that nobody tells you (hint: it's an average, not a prison sentence)
But here's the kicker – 70% of people who budget feel in control of their financial future. That feeling of control? It's worth more than any impulse purchase.
I'll walk you through my personal highlight method – a dead-simple way to analyze your past 12 months of spending to see where your money is actually making you happy versus where it's being flushed down the toilet.
And no, this isn't about restriction. It's about understanding yourself first, then aligning your spending with what genuinely brings you joy.
Because let's be real – no amount of expense-cutting will get you where you want to go if you're not also focusing on making more money. We need both sides of this equation.
This episode is just the beginning. Next up, we're diving into the world of debt – the good, the bad, and the "shit bed" variety.
Don't miss it. Subscribe now and let's get your financial house in order – no bullshit, no sugar-coating, just straight talk about your money.
Watch the full episode now: https://youtu.be/yAZVT4JCfSs
Catch all our episodes: https://nobswealth.com/episodes/
Let's Get Real,
Stoy
P.S. If budgeting gives you the "ibbal gibbals" (as my youngest son would say), this episode is exactly what you need. Sometimes the things that make us most uncomfortable are the things we need to face head-on.
Want more unfiltered financial truth? Forward this email to a friend who needs to hear it. The more we talk about money openly, the less power it has over us.
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