Budgeting is the cornerstone to any retirement plan.  Our advice is to focus your energy on things you can control and the budget should be near the top of that list.


Cash envelopes are the budgeting tool that had the biggest impact on my debt-free journey.  Ryan Clark founded a software solution to bring cash envelopes into the current century.


Check out our interview with Ryan Clark, the founder of ProActive Budget:

ProActive Website