The Catch Your Money Show artwork

The Catch Your Money Show

54 episodes - English - Latest episode: almost 3 years ago -

How can I make more money, pay off debt, save money, start or grow a business or give to ministries or causes near and dear to my heart? These are just a few of the questions that are rolling around in our minds as Christians. With over 20 years in the industry, your host, Laura Royer gets in the trenches to help you unpack the roadblocks, both mental and physical, that may be keeping you stuck from progressing toward your God-designed financial dreams. Using biblical principles, Laura presents a real-talk, no-nonsense, kingdom-minded approach, teaching you how to master your money by implementing trending financial and business strategies that work. All so you can make more money, be a better steward with it and have a greater impact on the world around you. Learn about simple budgeting, paying off debt, saving money and making money through passive income, at-home side hustles, or building a business that banks and scale it. You’ll not only hear from Laura’s own experience running her business or coaching her clients to success, but you’ll also hear directly from other Christian believers who will share their experiences, lessons and wins with money and business as well. So, hit subscribe and let’s catch that money so not only your life can change, but the lives around you can too.

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Episodes

Marketing Your Business on Tight Budget with Melissa Forziat

June 10, 2021 04:00 - 43 minutes - 59.9 MB

Are you struggling to reach your audience because you can’t afford to market your business? Marketing is a key component to growing a business but is often overlooked because of all the other necessary expenses in running a business. Marketing your business on a tight budget is possible and simple to do once you understand how. Once you understand that marketing is simply getting your message to your audience, it becomes easier to manage. You do not have to spend a lot of money on marketin...

How to Sell Online Without Being Salesy with Amanda Todd

May 27, 2021 04:00 - 51 minutes - 71.1 MB

Does the thought of selling online excite you? Or does it scare you? So many people are afraid to sell their product or service because they are afraid of coming off as salesy. And who wants to be that person? Selling online doesn’t have to be scary. There are simple, yet effective actions you can implement in order to sell without being salesy. The founder of You Dot This, Amanda Todd, is the queen of selling online without feeling salesy. She has successfully run a 7 figure business wi...

How to Be Yourself in Your Business

May 20, 2021 04:01 - 39 minutes - 53.6 MB

What’s holding you back from being yourself in your business? Is it fear that no one will want to work with you? Or that you’ll have to please everyone in order to make any money? It can be hard to truly be yourself, but it is so necessary. The first step is understanding what’s holding you back from being yourself and then letting that go. Your business cannot grow the way you want it to if you are not showing up as your authentic self. You need to be yourself! “When you step into who yo...

4 Reasons Your Side Hustle is Not Making Money You Need it to Make

May 13, 2021 04:00 - 23 minutes - 32.1 MB

Did you start a “little” side hustle to make some cash? Pay off some debt? But what happens when your side hustle isn’t making money? Starting a side hustle can be a great way to bring in some extra income. I know, for me, that’s why I initially started my business 10 years ago. I wanted to pay off some debt I had accrued and starting my own business seemed like the way to make that happen. Throughout this time I’ve come to understand there are many reasons why your side hustle isn’t mak...

#1 Piece Advice for Starting a Business From 4 Successful Entrepreneurs

April 28, 2021 04:00 - 34 minutes - 47.5 MB

Have you been thinking about starting a business but you’re not sure where to start? Well friend, you are not alone! Even with all of the episodes I have published that cover this topic, I still get asked all the time for my top tips on how to start.  To celebrate my 50th episode and to thank you, my listeners, I have invited 4 of my favorite successful entrepreneurs to this week’s show. And yes my friend, they are here to tell you their #1 piece of advice for starting a business. While ...

How To Turn Your Idea Into a Business with Gary Norris

April 21, 2021 04:00 - 1 hour - 103 MB

Do you have an idea that you would love to turn into a business but don’t know where to start? Or maybe you have a lot of ideas but don't know which one would work as a business? So many people struggle to take an idea and turn it into a business. But what if you could take the guesswork out of it?  You wouldn’t have to worry about wasting your time, money, and resources on something that, in the end, ultimately won’t come to fruition. And you won’t have to settle for a business that may p...

Stop Playing Small in Your Business

April 14, 2021 04:00 - 47 minutes - 65.4 MB

Are you playing small? Perhaps you are letting fear hold you back? If you have been feeling a little too comfortable and have settled for smaller accomplishments than you initially desired, perhaps you aren’t playing big enough. Make 2021 the year that you move past playing small and make bold moves in your business. Perhaps you have had a successful year, and you don’t even realize you’re playing it small. I know I didn’t! Up until last year, I was the definition of playing small in life....

7 Reasons You Can't Get Out of Debt, and What You Need to Do to Fix It

March 04, 2021 05:04 - 29 minutes - 40.1 MB

Have you followed all the rules to get out of debt but still desire quicker results? Maybe you have limited your spending and are making payments on time, but your balances aren’t shrinking. If you are feeling disappointed about the lack of progress you have made to get out of debt, I want to motivate you to keep going. There are hundreds of reasons why you may be struggling to get out of debt. And until you understand which of these reasons are affecting your debt reduction efforts, you w...

3 Ways to Improve Your Financial Situation

February 18, 2021 15:52 - 36 minutes - 49.7 MB

Are you struggling to pay off debt? Or maybe you have financial goals that you want to hit but they just seem so far away from reality? Perhaps you have tried cutting your spending or even picked up a side job, but still have fallen short with getting ahead of your bills. If so my friend, I want to encourage you that YOU are on the right track to improve your financial situation. You may be surprised to know that fixing your financial situation is as simple as 3 methods: decrease your expe...

Are You Dating Your Money?

February 11, 2021 05:00 - 21 minutes - 29.1 MB

Are you dating your money? If you desire a healthy relationship with your money, you need to become more intentional about the time you spend with your money. Just as you would spend time with someone you’re dating to grow your relationship, the same is true for money. So many of us start a new year out with new year’s resolutions - and one of them is always about your money. But if you don’t have the right systems in place for making your money work for you, then chances are you will...

6 Money Affirmations to Shift Your Financial Situation

January 27, 2021 05:00 - 34 minutes - 46.8 MB

Do you have money mantras? Money mantras are short and powerful statements that are created and stated aloud in order to attract abundance in your life. Money mantras, or affirmations, are used to shift your financial situation. I have definitely had my share of money mantras in my lifetime. However, in the past 10 years or so, I started to shift from “mantras” to declarations - because life and death IS in the power of the tongue. Death and life are in the power of the tongue, And tho...

Choosing Your Word for the Year

January 20, 2021 05:00 - 24 minutes - 34.2 MB

Do you need a way to stay focused so you can manifest the goals you’ve set for yourself this year? Or maybe you desire to level up more into the person God is calling you to be? Well, you can do it easily by choosing a word of the year that will guide you to make that happen. For the past seven years, I have chosen a word of the year. I have experienced growth within myself and have developed a closer relationship with God. I have seen the success that I honestly thought was just a dream b...

What’s the Story You Want to Tell about 2021?

January 13, 2021 05:00 - 27 minutes - 38 MB

Imagine it’s December 31, 2021 and you’re about to ring in the new year. You’re reflecting back about all the things that happened in 2021 what do you want to say happened? In other words, what’s the story you are telling to others about the year you just finished? Now you might be thinking, that’s a bit weird Laura. I’m still trying to forget 2020. I get it my friend which is why thinking about how you want this year to end up is more important than ever. If 2020 taught us anything it w...

7 Takeaways from 2020

December 29, 2020 20:22 - 23 minutes - 32.6 MB

Are you ready to close out 2020?  You are not alone! This year has been exceptionally difficult for many and hopes are high for a better year. Before we say goodbye to 2020, we need to take the opportunity to reflect on what we have actually learned this past year. I have seven takeaways from 2020 that I am sharing with you today. You probably feel like life was on pause for most of 2020 because you were unable to get the things done you had expected. I would like to teach you how to over...

Determining Your Next Move: 5 Questions from Andy Stanley

December 17, 2020 22:35 - 36 minutes - 50.5 MB

Do you struggle with decision-making in your business or with money because of the pressure and uncertainty? Maybe you are scared of the outcome if you make the wrong decision, or perhaps you have made too many decisions you have regretted in the past. If determining your next move is weighing on a big decision, it is time for you to learn how to ask yourself the right questions before proceeding. As an entrepreneur and consultant, I face many big decisions that are extremely intimidating....

Hiring A Virtual Assistant for Your Business with Emily Reagan

December 09, 2020 05:00 - 54 minutes - 75.1 MB

Are you at the point in your business where you need another hand to get things done? Do you need someone to manage a list of tasks to help ease the stress on you as you’re trying to grow your business? Hiring a virtual assistant for your business can allow you to shift focus from the mundane, yet necessary tasks to the more impactful work your business needs. Owning a business is time-consuming, and working on the day-to-day tasks to keep the business running is necessary. All too often b...

The Power of Establishing Systems for Your Business with Nicole Cannon

December 02, 2020 05:00 - 36 minutes - 50.4 MB

Is running your business keeping you so busy that you actually struggle to enjoy your business? Many business owners often find themselves bogged down and frustrated by the number of tasks that remain undone in their businesses because there is “not enough time in the day” to complete them. Establishing systems for your business is the best way to alleviate these frustrations and allow you to reclaim your time. If you feel like your to-do list is always growing faster than you can manage i...

How to Get Rid of Overwhelm in Business and With Your Money

November 25, 2020 05:00 - 27 minutes - 23.7 MB

Do you ever have times where you want to stop everything and just run away because the stress is too much? At times when life moves so quickly, it may feel as if you will never be able to get rid of the overwhelm in your business or with managing money. Honestly, I have experienced this overwhelm all too often in my life, and I know how debilitating it can be in your present and future progress.  I know so many of you still struggle with the things that life throws at you every single da...

How to Confidently Operate in Your Calling with Yolanda King

November 18, 2020 05:00 - 48 minutes - 83.4 MB

Have you discovered your calling, but you still question yourself every step along the way of fulfilling that calling? Although you know what is meant for you, you may need to learn how to confidently operate in your calling in order to find clarity and success for your business. All too often, I see clients who have discovered their calling but still struggle to actually work within it. Because they lack clarity and confidence, they are unable to move forward with the work they are desti...

Aligning Your Spiritual Gifts with Your Business with Damita McGhee

November 11, 2020 05:00 - 45 minutes - 62.2 MB

A high priority for you as a Christian should be knowing the spiritual gifts given to you by God and how to use them. As an entrepreneur, it’s especially important to know how to operate your business using these gifts as well as building it off biblical principles. Aligning your spiritual gifts with your business is exactly what you need to focus on for it to be profitable and successful. I understand that you may struggle with understanding your gifts much less how to align them in your ...

Self-Examination Equals Purpose Preparation With Kendra Dublin

November 04, 2020 05:00 - 51 minutes - 97.6 MB

Would you believe me if I told you that the struggles you may be facing right now are the very struggles you need to find your true purpose? Self-examination during the times you struggle most is the way you become prepared for your life purpose. You know that you have a greater purpose to fulfill, but maybe it seems that life keeps holding you back. Trust me, I understand. But believe when I say there is purpose in your struggle.  And now is the time to uncover how these struggles bring...

7 New Beliefs That Helped Me Level Up in My Business in 2020

October 28, 2020 04:00 - 37 minutes - 71.7 MB

Sometimes you don’t know what you don’t know. Understanding the power of discerning debilitating thoughts and transitioning them to new beliefs is key to seeing the breakthrough you have been desiring for so long. For me, I was unaware that there were specific wrong beliefs that were legit keeping me stuck at the same level - until God shined a flashlight on some things that I was believing that were not serving me or my business at all. And I’m willing to bet that some, if not all of th...

Renewing Your Mindset with Marcia Bednar

October 21, 2020 21:18 - 42 minutes - 65.1 MB

Do you have worries in your mind that you know are holding you back? Are you struggling to understand how to manage those thoughts to overcome obstacles in your life? Believe me friend, there is power in renewing your mindset and you need to learn how to take every thought captive to do so. This is one of my very favorite topics! I am super passionate about helping others understand the importance of mindset in every aspect of life, including business. So, on this week’s episode of the C...

Using LinkedIn to Grow Your Business with JoAnne Funch

October 14, 2020 04:00 - 40 minutes - 73.2 MB

If you are not using LinkedIn to grow your business, then you need to rethink your social strategy. Now I know you may be thinking, “Isn’t LinkedIn for job seekers and networking for people in the corporate world?” Not anymore! LinkedIn has been advancing their competitive edge to expand beyond the old image of just being the place to find a job. In fact, more and more business owners and entrepreneurs are using LinkedIn to connect with influencers and other business owners within their ni...

Achieving Financial Freedom Before You Start a Business with Tawnya Schultz

October 07, 2020 04:00 - 34 minutes - 56.6 MB

If you have been thinking about starting a business but are knee deep in debt then you may want to work on creating a plan to pay it off first. If you are like others, many feel the solution to financial woes is solely making more money. But truthfully, the ONLY way to achieve financial freedom is to first create a plan to identify where your money is going now, cut unnecessary expenses and then if needed, look for ways to increase income.  One of the BIGGEST mistakes most people make with...

How to Monetize One Business Idea Profitably in Multiple Ways with Lorelle Maxime

September 23, 2020 04:00 - 42 minutes - 65.6 MB

Do you have an idea for starting a business but are stuck on how to actually make money with it? Or maybe you’re looking for a new way to monetize your current business product or service, but are not sure the best way to go about it? Creating multiple streams of income with one idea can be daunting, but it is possible and important for business growth. Truly, monetizing ONE idea in multiple ways is the easiest way to maximize your time, business growth and make a profit. In this week...

How I Accidentally Started a Business: The Catch Your Money Story

September 16, 2020 04:00 - 34 minutes - 65.3 MB

What is holding you back from starting a business? Is it no money? Not having a list to sell to? No website or no branding established? Or maybe you just don’t even know where to start. I can tell you from experience, you CAN start a business without any of these things. Believe me - I accidentally started a business without any of these things! Truly, this is exactly how I started Catch Your Money. All I had was an idea that solved a problem. I found a way to get to those who needed and...

Give Yourself Permission for More with Anna Mclaughlin

September 09, 2020 04:00 - 54 minutes - 87.6 MB

Do you look at your life and feel that it’s not quite the way you imagined it would be? Do you believe that God is calling you to a different way to serve others? Well my friend, maybe it is time for you to give yourself permission for more and shift toward what God is laying on your heart – no matter how scared you may feel. It is not uncommon to be heading down a path in life only to find yourself being pulled in a different direction. When that happens, know that it may be God speaking ...

How to Brand Your Business with Charnell Price

September 02, 2020 04:00 - 46 minutes - 77.2 MB

Are you struggling to find an identity for your business? Do you lack the inspiration you need to build your brand? You’re in the right place… because you’re about to learn how to finally brand your business from special guest, Charnell Price. When starting a business, many entrepreneurs find branding to be challenging and stressful. Your branding can determine how well you will position your brand against competitors. It is the first impression your business has on your potential customer...

How to Grow Your Following Online with Buki Ekeowa

August 26, 2020 04:00 - 46 minutes - 78.2 MB

Are you tired of showing up in your business day after day only to see little growth? First, let me say, great job for being consistent!! Now you need to learn how to grow your following online. Let me be real… This is where a lot of business owners struggle. I’ve struggled with it myself on certain platforms. It takes time and it takes a whole lot of intention to grow your audience online. Lucky for us, Buki Ekeowa, a social media growth expert, is this week’s podcast guest! If there’s ...

How to Build Successful Customer Relationships Online

August 19, 2020 16:00 - 53 minutes - 84.2 MB

Are you wanting to start or expand your business online but struggle with establishing a meaningful connections or building successful relationships online with potential customers? Or maybe you’re able to attract customers but struggle with keeping them engaged? Whether you’re just beginning to build an audience or you have an audience you’re trying to engage, one of the most important skills to learn is how to build strong, lasting customer relationships. One of my very best friends an...

Discovering WHO is Your Ideal Customer

August 12, 2020 04:00 - 32 minutes - 60.8 MB

Do you have a business idea but are unsure WHO will actually buy your product or service? Are you wondering how you determine exactly who IS your ideal customer? Stop searching for your customer… rather ATTRACT them! It can be done with less effort once you understand your customer’s: Needs by way of the questions they asks Biggest pain source that keeps them up at night  How they are feeling about the situation  Past experiences that have hindered their results   Let me be real ...

Starting a Business With No Money

August 05, 2020 04:00 - 47 minutes - 89.8 MB

Did you know you could start your own business with no money? Yep you read that right my friend. Starting a business with no money is not far-fetched.  How do I know it’s possible? Because I did it with my own business and I’m here to tell you how to get started with no money.  In this episode, I lead you through everything you need to plan out your pre-launch, deciding which platforms you will use and pointing you to the tools that you will want for your business.  Wanna know the best...

Discerning If God Is Calling You To Start A Business

July 29, 2020 12:00 - 56 minutes - 88.7 MB

Hey friend, answer this for me… is God calling to you? Maybe you hear a voice but you’re not certain it is actually God speaking or your own flesh? If these questions resonate, then you need to listen to the newest episode of the Catch Your Money podcast. And seriously, put it on repeat for the next three days. This week I’ve brought Paul Ybarra on the show to talk about how to know when God is speaking. Paul knows what it means to jump whenever he hears the voice of God calling him to j...

How to Make Money: 4 Revenue Models to Help You Right Now!

July 22, 2020 06:26 - 31 minutes - 58.8 MB

Do you have a persistent business idea that keeps circulating in your head? Are you so frustrated because you know that it is an idea you should pursue, but you just don’t know how you are going to make money from the idea? Well, let me just drop a truth bomb about that idea – it is a GREAT idea, and you’ve been sitting on the fence about pursuing it for WAY too long. Honestly friend, I am here to put an end to all the excuses you keep telling yourself about how you’re not capable or kno...

Uncovering Your God-Given Purpose

July 15, 2020 04:00 - 30 minutes - 55.3 MB

Welcome to today’s episode of the Catch Your Money show!  Are you searching for your purpose in life? Do you feel there is something bigger for you? Everywhere I go online – in forums, on live streams, on social posts – I see people desperately indicating their search for discovering WHAT they were meant to do. I can completely relate because I’ve been there, oh so many times. I’m willing to bet you have too at some point in your life. And if that point in your life is right now, the...

Why Right Now Is The Time to Start a Business Online

July 08, 2020 04:00 - 26 minutes - 49.2 MB

Welcome to today’s episode of the Catch Your Money show!  It may seem counterintuitive during this COVID19 pandemic, but right now is the best time to start a business online. You might already be feeling insecure and uncertain about your job or career, so why not take control of it now? In this week’s episode of the Catch Your Money show, I share with you the six biggest reasons why this is the best time to start a business, especially an online business. If you have been feeling that...

Say Goodbye To Fear Of Failure

June 24, 2020 04:00 - 33 minutes - 60.8 MB

Welcome to today’s episode of the Catch Your Money show!  Are you tired of your fear of failure holding you back from your dreams and wishes? Are you ready to learn how to stop being afraid of failure, rejection, and judgement?  The fear of failure is usually THE biggest reason why people do not make a leap into their God-given calling? Furthermore, this fear of failure causes one to unconsciously sabotage their chances of success. In this episode of the Catch Your Money show, I teach ...

Why This Is The Time To Jump

June 17, 2020 04:00 - 47 minutes - 87.1 MB

Welcome to today’s episode of the Catch Your Money show! Let’s talk about why this is the time for you to jump into the unknown and take the leap of faith in your journey. I am speaking to those of you who may have lost your jobs or have been furloughed amidst the Covid-19 pandemic. Have you been thinking about what is next? How much thought have you given to your God-given purpose for your life? If you feel this is the time for you to jump into your calling, listen in to this episode of ...

Getting Your Financial Affairs In Order: Client Spotlight with Gary Jackson

June 04, 2020 04:00 - 58 minutes - 93.2 MB

Welcome to The Catch Your Money Podcast Show! Is your personal relationship with money holding you back from creating the life you never knew you wanted for yourself? Are you ready to get your financial affairs in order? In this week’s Catch Your Money Podcast, Gary Jackson from Bottom Line Sports talk joins me. Gary, a really great friend of mine, was once one of my clients. He now runs a podcast with his brother and is following his passion discussing sports alongside his brother onlin...

Bouncing Back From A Financial Setback

May 27, 2020 04:00 - 46 minutes - 75.7 MB

Welcome to The Catch Your Money Podcast Show! Life is full of trials and tribulations! Oftentimes it seems like things you're facing are too difficult to handle. Learning how to handle setbacks can make a huge difference in where you end up in life. In this week’s episode of the Catch Your Money Podcast Show, I interview my near and dear friend, Shafonne Myers, to talk about setbacks in life and in business. She led her family after her husband’s layoff and during a move across the count...

5 Things I Had To Do To Quit My Job

May 20, 2020 04:00 - 41 minutes - 73.4 MB

Welcome to The Catch Your Money Podcast Show! There are so many of you out there who are at a crossroad with your career right now. You know there is a greater calling for you, but there is something holding you back. Get ready to learn how to quit your job and follow your dreams. In this week’s episode of the Catch Your Money Podcast, I speak to you from the very bottom of my heart. I, myself, had a great, secure job with awesome benefits, but it wasn’t enough. There were greater things...

Making a Pivot in Your Business

May 13, 2020 04:00 - 55 minutes - 88.7 MB

  Welcome to The Catch Your Money Podcast Show! I’m here to tell you, your business can generate the results you desire!  You need to give yourself permission to shift your mindset, implement the necessary systems, and get your business on the path to more success. In this week’s Catch Your Money Podcast, I interview Sarah Thompson, an amazing business owner, and work-at-home mom.  Sarah shares her story about how she made some major changes and pivots in both her life and business wh...

Fighting Back Against Your Debt

April 29, 2020 04:00 - 26 minutes - 50.2 MB

  Welcome to The Catch Your Money Podcast Show! So the other day I saw an article that indicated that the total national consumer debt is 13.86 trillion dollars. This number is just mind-blowing and with all that is going on right now with the Coronavirus, I'm concerned we may see this number spike tremendously this year.  And that breaks my heart because I too know that pain. Because I have been there, but I also know there is hope for you because just like I paid off my crazy deb...

Teaching Your Kids About Money with Ryan Roy

April 22, 2020 04:00 - 54 minutes - 88.4 MB

  Welcome to The Catch Your Money Podcast Show! Have you ever wondered what are some great ways to teach your kids about money so that they understand its value and learn to not repeat the same mistakes you may have made? So many parents struggle when it comes to helping their kids understand how to manage money and many avoid the topic altogether. So on this episode, I’m very excited to have Ryan Roy author of Amazon bestseller, Be the Dad You Wish You Had join me to help me talk ab...

How to Manage Money in a Financial Crisis

April 15, 2020 04:00 - 34 minutes - 61.2 MB

  Welcome to The Catch Your Money Podcast Show! It’s kinda ironic that April just happens to be financial literacy month and many have found themselves in a place that money is a concern with job losses, hours being cut back or even fewer customers buying from your business because they need to tighten the purse string. So on this episode of the Catch Your Money Show, I’m going to share 7 tips for how to make the best financial decisions during a financial crisis. Now, these tips are...

How To Choose Which Business Idea to Pursue

April 08, 2020 04:00 - 27 minutes - 37.4 MB

  Welcome to The Catch Your Money Podcast Show!. In today’s episode, I wanted to help anyone who is out there that has been thinking about starting a new business but has so many ideas that you are stuck on which one to choose. Trust me, I get it! I have been there and done that, like 10 times over.  So how do you know which business idea is right for you? Well before I jump into my recommendations to help you navigate through the options, I want to start by saying there is not always i...

How To Manage Money Together

April 01, 2020 03:55 - 22 minutes - 25.5 MB

  Welcome to The Catch Your Money Podcast Show! I am often asked what advice I have for couples regarding how to manage finances together. Research shows that most couples cite money as their top reason for arguing, with debt generally the most common culprit.  Managing money together and paying off debt is proven to enhance stability and marital satisfaction. So how can couples come together and manage money together? It's not as hard as you may think, but it does take a cooperative ap...

How to Quit Your 9 to 5 and Work for Yourself

March 25, 2020 04:00 - 27 minutes - 29.9 MB

Welcome to The Catch Your Money Podcast Show! If you've ever thought about quitting your job and working for yourself, then you are going to love this episode. With the online world and the way we conduct business transactions, I don't know if there is ever been a better or easier time for someone to become a solopreneur. Honestly, when I was working my nine-to-five, I was so busy in the work-life that I literally was clueless of all the opportunities that are available around me. I mean,...

6 Reasons Why Your Spending Plan May Not Be Working

March 18, 2020 04:00 - 28 minutes - 43.2 MB

  Welcome to The Catch Your Money Podcast Show! Have you ever gotten to the end of the month and asked the question, "Where is all of my money going?" While you likely make good money, not knowing where it is going can be quite the struggle, trying to figure it out. In fact, 76% of Americans are living paycheck-to-paycheck. Now I've seen a lot of spending plans (aka budgets) in my career and one of the biggest reasons you may be struggling with where your money is going is either you ...