Earning, Spending & Saving
📋 What it is
Income comes in, expenses go out; saving is income you don't spend.
🗣️ Coach says
The heart of money: some comes IN (earning), some goes OUT (spending), and what's left is SAVING. If spending is more than earning, you run short. Track both and saving becomes possible.
🧠 Memory hook
Income − Expenses = what's left to save. Spend less than you earn to save.
😂 Giggle
What did the dollar bill say to the quarter?
"You're only worth 25% of me — but you still count!"
😲 Whoa!
People who "pay themselves first" — saving a slice before spending — end up saving far more over time.
✅ Quick check: You earn $20 and spend $15. How much can you save?
Say your answer out loud first — then reveal.
$5 — income minus expenses.
Savings is what remains after subtracting spending from income.
🧪 Try it! (2 minutes)
Track one week of your money in and out. Was there anything left to save?