Ready to take control of your finances? In this episode, Josh breaks down the essentials of smart budgeting, blending classic techniques with modern strategies. Kicking things off with a deep dive into historical budgeting trends, Josh explores how budgeting practices have evolved from rigid spreadsheets to flexible, app-driven methods. He brings to life the "70-20-10 rule" and the envelope method, showcasing how these timeless strategies can still work wonders today. Josh then shifts gears to modern techniques, emphasizing the power of zero-based budgeting and the "pay yourself first" approach. He doesn’t just stop at theory—he provides actionable tips on how to incorporate these strategies into your daily routine, making budgeting less of a chore and more of a pathway to financial freedom. Then in a fun, new segment called "Ride the Wave with Dave," we chat about some fun money tales from Josh's past. From hilarious mishaps to valuable lessons learned, these stories highlight the importance of frugality and the joy of smart financial planning. Can't get enough of the Financial Quarterback? Click 'Subscribe' to never miss a play. New episodes touchdown right here! Loving the playbook? Drop us a 5-star rating and share your thoughts in a review. Your feedback fuels the game plan!