The end of 2025, the Beginning of the Challenge in 2026!

I sit here at my desk looking at YNAB and seeing the available balance of $255 and thinking to myself, “hell ya legless! You ended the year with cash in the bank”. Log into my bank app to move that money to savings and see that reality is I am overdrafted by $80. What the F?!

Where did I go wrong? Was it the Starbucks Latte my wife ordered? Was it the last minute Christmas gift order on Amazon that I bought for my wife. I thought I had bought it a while ago… I hadn’t. Where did that over $300 go?! I went into YNAB and saw that I had assigned money that wasn’t real. I hadn’t checked the uncleared amount and had screwed myself. Not only with embarrassment, but with a $35 overdraft fee. Banks just LOVE adding on when the going is rough. We have overdrafted, take as much money as you want! I ain’t able to pay it…OBVIOUSLY!

You know the saying “When you’re at the bottom, the only way to go is up”? The author of that quote forgot about sideways…you can always go sideways. Staying in the same rut you are in day after day, year after year, for the rest of your life. It takes a struggle, a mental shift, a lifestyle change to make that first jump. The hardest move is from zero to one said someone WAY smarter than me. So I am here to tell you all…in 2026 I will be starting with….DRUMROLL PLEASE…. $1 in my savings account! Zero to One can suck it! Now to turn $1 into $100! Lets Freaking go!

Join me! Lets do this together!