Скачать или смотреть Flexible Budgeting Basics: A Simple Guide for Low & Moderate Income Earners

Traditional budgeting advice doesn't work when rent eats 60% of your income. If the 50/30/20 rule has ever made you feel like you're "bad with money," this video is for you.

I'll show you why traditional budgets fail for low-to-moderate-income earners — and introduce the 4-Bucket Method: a flexible budgeting system designed for real life, not perfect spreadsheets.

🎯 IN THIS VIDEO:
Why the 50/30/20 rule doesn't work for tight budgets
The 4-Bucket Method explained
Real example: $2,400 income with $1,500 rent
How to prioritize expenses without guilt
Next steps to start today

💡 THIS VIDEO HELPS IF YOU'RE DEALING WITH:
✓ High rent or housing costs (50%+ of income)
✓ Limited income that doesn't stretch far enough
✓ Little room for savings
✓ Budgeting burnout from methods that don't work

💬 QUESTION FOR YOU:
What percentage of your income goes toward rent or housing?

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At ProsperityU, we believe progress beats perfection. Reading your bank statement isn't about being "good with money" — it's about building a habit that protects your cash and helps you make small, steady improvements month after month.

Learn with us. Start where you are. Build Everyday Prosperity, one small win at a time.

🔔 New videos every week on budgeting, saving, and money management for real life.

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