The Brian Buffini Show Turn Your Budget Stress into Spending Success
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Apr 28, 2026 Practical budgeting tactics centered on the 70/10/10/10 plan and paying yourself first. Stories of moving from 106% spending to no credit card debt. Automating savings, building reserves before investing, and using bonuses to buy real estate. Tips for trimming subscriptions, planning splurges, and structuring business cash flow and retirement through referral systems.
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How Debt Pushed Them To 106 Percent Spending
- Anecdote shows how debt inflated their spending to 106% of income before they stopped using credit entirely.
- Brian and Beverly cut credit, vowed not to buy what they couldn't pay for, and never carried a credit card balance again for 34 years.
Automate Savings And Gradually Increase Contributions
- Do make saving and investing automatic by scheduling withdrawals from checking to savings and then to investments.
- Brian started with $50 transfers, doubled over time, and credits this automated habit for building long-term wealth.
Prioritize Building One To Six Months Reserves
- Do build emergency reserves before investing; aim first for one month of expenses, then three to six months.
- Brian typically coaches people to take about a year to reach one month, then two to three years to reach three to six months.
