@ramsey.solutions: If you don't know where your money is going, it's time to start having a plan for your money. Creating a budget gives each dollar you make a place to go, so you aren't shocked each time you open your banking app. Wealth building is created when you live below your means, and you can't know that amount until you are able to track where each purchase you make is going. Budgeting builds freedom, not limits it!