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Reply to "What has been your money epiphany?"

After my divorce, learning how to pay bills, have a social life and being kind of low income I struggled for years, fell into some credit card issues which taught me life lessons.  Fast forward 20 years my daughter helped me set up a budget spreadsheet and I started reading Dave Ramsay's Financial Freedom book.  Although I didn't follow it to a T, it was helpful.  I then discovered YouTube and watched every budget video out there.  Along the way I discovered Rachel Cruze and Sinking funds which I incorporated onto my spreadsheet, setting up my fifth bank account specifically for that...it's one of the best, most helpful things I've done for myself!

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