Jane, an amazing member of our community, is just starting out investing and doesn't think that she is actually budgeting since her expenses are listed in a Google Doc. But Ryan and Kayse are here to break the truth: Jane already has a budget! No matter if you track your expenses on a google spreadsheet, or use a program like You Need A Budget, having a system in place is the first step to gaining financial independence. Do you need help making a prudent decision about your disability insurance without overcomplicating things? Then reach out to Michael Relvas at www.doctorpodcastnetwork.com/mrinsurance