Bestselling Author and Retirement Expert, Dale McGregor,explains why a budget isn’t punishment but a roadmap that tells your money where to go instead of wondering where it went. He compares budgeting to using GPS on a road trip: it helps you navigate detours and reach your destination on purpose. Dale walks through a practical starting point—tracking every cent you spend for 1–2 months, categorizing it, and then deciding what truly matters. Along the way, he shares stories of envelope systems, gas-station “miscellaneous” spending, and how disciplined tracking helped wipe out debt and create room to invest for the future.