Managing money doesn’t require a fi­nance degree, a six-figure income, or the latest viral budgeting hack. What it does require is a clear system—a blueprint that guides you step-by-step toward con­trol, stability, and long-term success.

In my over two decades as a money coach, tax professional, and personal fi­nance columnist, I’ve seen the same truth repeat itself: when people have a real plan and they follow it, they win. When they wing it? They struggle. They worry. They repeat the same mistakes over and over. They lose.

That’s why I developed this no-non­sense, practical 8-step formula to master your money. It works—no matter your in­come, background, or starting point. Fol­low these steps in order, and you’ll be well on your way to ditching the stress and building a future with pur

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