3. Knowing Your Numbers (Part 2) Make It Make Sense

In Part 1, we got clear on your five key numbers: income, expenses, pensions, savings, and debts. Now, it’s time to put them to work.

In this episode, we look at what your numbers are actually telling you — and how to use them to decide what matters most right now. We’ll cover:

• How to calculate your net worth (and why it’s more than just a number on paper)
• Doing a spending audit to see if your money aligns with your values
• Spotting (and stopping) lifestyle creep before it eats up your progress
• Why “paying yourself first” is the simplest way to protect your future
• How the 50/30/20 (or 65/20/15) rule can help you balance essentials, lifestyle choices, and future goals — without feeling deprived

You’ll also hear some real-life examples, questions to ask yourself, and a few mindset shifts that can make this whole process less overwhelming.

📥 Download the free “Know Your Numbers” worksheet to follow along (Link also in Instagram bio)

Chapters

• 0:00 🔁 Intro & Recap
• 2:04 💰 Your Net Worth
• 4:50 🧾 Spending Audit
• 8:54 📈 Lifestyle Creep
• 11:55 🧮 Pay Yourself First and the 50/30/20 Rule
• 13:24 🎯 Homework & Wrap Up