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 purpose.

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