{"id":283452,"date":"2025-11-18T16:41:21","date_gmt":"2025-11-18T11:11:21","guid":{"rendered":"https:\/\/trybeem.com\/blog\/?p=283452"},"modified":"2025-11-18T16:41:22","modified_gmt":"2025-11-18T11:11:22","slug":"the-golden-money-rule-pay-yourself-first","status":"publish","type":"post","link":"https:\/\/trybeem.com\/blog\/the-golden-money-rule-pay-yourself-first\/","title":{"rendered":"The Golden Money Rule: Pay Yourself First"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#what-does-pay-yourself-first-mean\">What Does \u201cPay Yourself First\u201d Mean?<\/a><ul><li><a href=\"#concept-overview\">Concept Overview<\/a><\/li><li><a href=\"#historical-background\">Historical Background<\/a><\/li><li><a href=\"#why-its-called-the-golden-rule\">Why It\u2019s Called the \u201cGolden Rule\u201d<\/a><\/li><\/ul><\/li><li><a href=\"#benefits-of-paying-yourself-first\">Benefits of Paying Yourself First<\/a><ul><li><a href=\"#builds-financial-discipline\">Builds Financial Discipline<\/a><\/li><li><a href=\"#secures-long-term-wealth\">Secures Long-Term Wealth<\/a><\/li><li><a href=\"#creates-a-safety-net\">Creates a Safety Net<\/a><\/li><\/ul><\/li><li><a href=\"#how-to-implement-the-pay-yourself-first-rule\">How to Implement the Pay Yourself First Rule<\/a><ul><li><a href=\"#determine-your-savings-percentage\">Determine Your Savings Percentage<\/a><\/li><li><a href=\"#automate-savings\">Automate Savings<\/a><\/li><li><a href=\"#use-tools-and-apps-for-tracking\">Use Tools and Apps for Tracking<\/a><\/li><li><a href=\"#adjust-for-lifestyle-changes\">Adjust for Lifestyle Changes<\/a><\/li><\/ul><\/li><li><a href=\"#overcoming-common-challenges\">Overcoming Common Challenges<\/a><ul><li><a href=\"#living-paycheck-to-paycheck\">Living Paycheck to Paycheck<\/a><\/li><li><a href=\"#high-living-expenses\">High Living Expenses<\/a><\/li><li><a href=\"#unexpected-bills-or-emergencies\">Unexpected Bills or Emergencies<\/a><\/li><\/ul><\/li><li><a href=\"#real-life-examples\">Real-Life Examples<\/a><ul><li><a href=\"#example-1-early-career-professional\">Example 1: Early-Career Professional<\/a><\/li><li><a href=\"#example-2-family-household\">Example 2: Family Household<\/a><\/li><li><a href=\"#example-3-freelancer-or-variable-income-earner\">Example 3: Freelancer or Variable Income Earner<\/a><\/li><\/ul><\/li><li><a href=\"#advanced-strategies\">Advanced Strategies<\/a><ul><li><a href=\"#combining-pay-yourself-first-with-investment-goals\">Combining Pay Yourself First with Investment Goals<\/a><\/li><li><a href=\"#multiple-savings-buckets\">Multiple Savings Buckets<\/a><\/li><li><a href=\"#leveraging-financial-technology\">Leveraging Financial Technology<\/a><\/li><li><a href=\"#fa-qs-on-the-golden-money-rule-pay-yourself-first\">FAQs on The Golden Money Rule: Pay Yourself First<\/a><\/li><\/ul><\/li><li><a href=\"#faq-question-1763464057316\">What percentage of my income should I pay myself first?<\/a><\/li><li><a href=\"#faq-question-1763464062394\">Can I pay myself first if I have debt?<\/a><\/li><li><a href=\"#faq-question-1763464069234\">How soon should I start practicing the &#8216;pay yourself first&#8217; habit?<\/a><\/li><li><a href=\"#faq-question-1763464078466\">Can you use savings for emergencies?<\/a><\/li><li><a href=\"#faq-question-1763464083873\">How does Beem Everdraft\u2122complement the pay-yourself-first rule?<\/a><\/li><li><a href=\"#faq-question-1763464090066\">Can I combine pay-yourself-first with other budgeting methods?<\/a><\/li><li><a href=\"#faq-question-1763464096004\">How do I adjust my savings during months with irregular income?<\/a><\/li><li><a href=\"#faq-question-1763464102290\">What is the best way to automate savings?<\/a><\/li><li><a href=\"#faq-question-1763464107402\">Will paying myself first affect my lifestyle spending?<\/a><\/li><li><a href=\"#faq-question-1763464113595\">How quickly can I build an emergency fund by paying myself first?<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p>Ever felt like payday money disappears faster than expected? Money comes in, bills get paid, a few small treats happen, and suddenly, saving gets pushed to \u201cnext month.\u201d This happens to many people because saving is often treated as something to do later, rather than something to do first.<\/p>\n\n\n\n<p>The Golden Money Rule shifts that pattern. Pay yourself first means setting aside a small portion of income for savings before spending on anything else.&nbsp;<\/p>\n\n\n\n<p>It doesn\u2019t matter whether the income is big or small; what matters is the habit. When savings come first, financial stability becomes easier and less stressful.<\/p>\n\n\n\n<p>Of course, life doesn\u2019t pause. Emergencies and surprise costs still happen. That\u2019s where Beem\u2019s <a href=\"https:\/\/trybeem.com\/get-instant-cash-advance\" target=\"_blank\" rel=\"noreferrer noopener\"><u>Everdraft\u2122<\/u><\/a> helps, offering support so savings don\u2019t get derailed when something unexpected comes up. Curious how this simple golden money rule can change your financial future? Keep reading.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-does-pay-yourself-first-mean\">What Does \u201cPay Yourself First\u201d Mean?<\/h2>\n\n\n\n<p>Paying yourself first is all about having your financial future in mind. By saving or investing part of your income before spending a dime on anything, you&#8217;re building a solid foundation. Here\u2019s why understanding this principle matters.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"concept-overview\">Concept Overview<\/h3>\n\n\n\n<p>The concept is a simple one: Save or invest a certain percentage of all paychecks before paying bills, food, or entertainment. That way, a financial safety net would increase regularly. Small, regular inputs eventually add up to something quite substantial over time.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"historical-background\">Historical Background<\/h3>\n\n\n\n<p>The concept dates back decades in personal finance philosophy. Some trace the idea back to simple household budgeting philosophies shared in community groups and advice columns decades ago.&nbsp;<\/p>\n\n\n\n<p>Later, authors and financial educators helped popularize it as a practical strategy anyone could apply. The message stays the same across generations: protect your savings before you spend.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"why-its-called-the-golden-rule\">Why It\u2019s Called the \u201cGolden Rule\u201d<\/h3>\n\n\n\n<p>It earns the name \u201cGolden Rule\u201d because of its long-term impact. Paying yourself first is a slow but steady way to become wealthy. It results in savings to achieve future aspirations, stability in changing jobs, and self-confidence in case of an emergency.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/use-credit-cards-to-boost-your-credit-score\/\" target=\"_blank\" rel=\"noreferrer noopener\">The 7 Golden Rules: How to Use Credit Cards to Boost Your Credit Score the Right Way<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"benefits-of-paying-yourself-first\">Benefits of Paying Yourself First<\/h2>\n\n\n\n<p>Understanding the advantages of the &#8216;pay yourself first&#8217; philosophy can transform your financial approach, create security, and invariably increase your wealth. Here\u2019s why this rule is key to money management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"builds-financial-discipline\">Builds Financial Discipline<\/h3>\n\n\n\n<p>Saving yourself first makes you save regularly and ensures that you do not spend impulsively. With savings as the priority, your money works. This instills discipline, fosters sound financial decisions, and lays a solid foundation for long-term financial stability and prudent money management.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"secures-long-term-wealth\">Secures Long-Term Wealth<\/h3>\n\n\n\n<p>Saving a portion of your income at an early age allows your money to grow through compound interest, retirement investments, and smart financial decisions.&nbsp;<\/p>\n\n\n\n<p>Regular savings will create <a href=\"https:\/\/trybeem.com\/blog\/inflation-proof-investments-long-term-wealth\/\" target=\"_blank\" rel=\"noreferrer noopener\">long-term wealth<\/a>, securing financial growth and independence. This way, you prepare yourself for the future without any stress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"creates-a-safety-net\">Creates a Safety Net<\/h3>\n\n\n\n<p>Paying yourself first builds a financial cushion in case of emergencies. The sudden expenses no longer appear daunting, and even then, Beem\u2019s Everdraft can provide extra backup, ensuring bills or other unexpected costs do not derail your savings or create unnecessary stress.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/out-of-pocket-maximum\/\" target=\"_blank\" rel=\"noreferrer noopener\">Out-of-Pocket Maximum: The Safety Net You Must Verify<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-implement-the-pay-yourself-first-rule\">How to Implement the Pay Yourself First Rule<\/h2>\n\n\n\n<p>Applying the &#8220;Pay Yourself First&#8221; rule can transform your finances and bring you financial security. Here&#8217;s how to make the process easy for everyone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"determine-your-savings-percentage\">Determine Your Savings Percentage<\/h3>\n\n\n\n<p>Begin by saving 10-20 percent of your earnings. Small savings also accumulate with time. It is always good to turn your money into savings first. If you wait until the end of the month, that is usually when overspending occurs, and less is saved.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"automate-savings\">Automate Savings<\/h3>\n\n\n\n<p><a href=\"https:\/\/trybeem.com\/blog\/weekly-routines-automatic-savings\/\" target=\"_blank\" rel=\"noreferrer noopener\">Automating savings<\/a> or investment account transfers makes it easy to pay yourself first. This makes paying yourself first simple. Automation helps individuals save consistently and keeps them disciplined in their saving habits, thus building wealth over time. It also removes the burden of having to save.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"use-tools-and-apps-for-tracking\">Use Tools and Apps for Tracking<\/h3>\n\n\n\n<p>Beem allows you to monitor on-time savings, spending, and income. It is essential to keep your &#8216;pay yourself first&#8217; strategy focused and practical by regularly monitoring your progress.&nbsp;<\/p>\n\n\n\n<p>Smart tools strike the perfect balance between expenses and investments, all while keeping your savings goals in mind.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"adjust-for-lifestyle-changes\">Adjust for Lifestyle Changes<\/h3>\n\n\n\n<p>Changes in life, such as changes in income or major expenditures, often necessitate short-term adjustments.&nbsp;<\/p>\n\n\n\n<p>Reviewing your savings rate in such a way that you can balance the financial side without compromising the pay-yourself-first habit. Thus, adaptation will help avoid overspending and protect long-term goals.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/risk-of-lifestyle-inflation-on-your-wallet\/\" target=\"_blank\" rel=\"noreferrer noopener\">The Risk of Lifestyle Inflation on Your Wallet<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"overcoming-common-challenges\">Overcoming Common Challenges<\/h2>\n\n\n\n<p>Saving might not be easy due to the challenges, but with wise plans, even a small step will yield results. Here&#8217;s a way to overcome the usual financial barriers and stay on track.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"living-paycheck-to-paycheck\">Living Paycheck to Paycheck<\/h3>\n\n\n\n<p>For someone already struggling, saving may not be feasible. The solution is starting small. Even five or ten dollars each week is a significant step forward. The habit forms first. The amount increases later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"high-living-expenses\">High Living Expenses<\/h3>\n\n\n\n<p>Not every budget has obvious extra space. Small adjustments can help. It can be as simple as choosing a <span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">more affordable phone plan,\u00a0<a href=\"https:\/\/trybeem.com\/blog\/how-to-cook-with-10-a-week\/\" target=\"_blank\" data-type=\"link\" data-id=\"https:\/\/trybeem.com\/blog\/how-to-cook-with-10-a-week\/\" rel=\"noreferrer noopener\">cooking more meals at home<\/a>, or canceling<\/span> unused subscriptions. The idea is to trim gently, not remove joy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"unexpected-bills-or-emergencies\">Unexpected Bills or Emergencies<\/h3>\n\n\n\n<p>Emergencies can interrupt savings. That is where Beem\u2019s Everdraft\u2122 becomes useful. It provides short-term access to funds without falling into high-interest debt. Savings remain protected while handling life&#8217;s surprises.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"real-life-examples\">Real-Life Examples<\/h2>\n\n\n\n<p>Seeing practical scenarios makes it easier to understand and apply. Here\u2019s how different people manage their finances successfully:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"example-1-early-career-professional\">Example 1: Early-Career Professional<\/h3>\n\n\n\n<p>Alex is a young man in the workforce and earns $ 3,500 per month. He saves 15 percent of his income, which is $525. His basic expenses are $1,200 for rent, $400 for food, and $200 for transportation. This leaves him with $675 for <a href=\"https:\/\/trybeem.com\/blog\/how-to-save-money-on-entertainment\/\" target=\"_blank\" rel=\"noreferrer noopener\">entertainment<\/a>, hobbies, and other expenses.&nbsp;<\/p>\n\n\n\n<p>By using Beem Everdraft, Alex\u2019s savings would not be disrupted by unforeseen expenses, such as auto repair bills.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"example-2-family-household\">Example 2: Family Household<\/h3>\n\n\n\n<p>The Johnsons&#8217; family unit earns $6000 per month. They initially have $900 in savings. Then they pay their necessities, i.e., the mortgage is $ 2,000, their utility bills are $400, and groceries cost $800 per month.&nbsp;<\/p>\n\n\n\n<p>Beem will assist them in covering unforeseen medical expenses or school bills without interfering with their savings habits. This keeps them financially sound.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"example-3-freelancer-or-variable-income-earner\">Example 3: Freelancer or Variable Income Earner<\/h3>\n\n\n\n<p>Maya is a freelancer who earns between $2,000 and $5,000 per month. In high-income months, she saves 20%. In low months, she saves 10%. Beem assists her with irregular cash flow and emergency cash needs, ensuring that her &#8220;pay yourself first&#8221; habit is maintained.<\/p>\n\n\n\n<p>Read related blog: <a href=\"https:\/\/trybeem.com\/blog\/smart-banking-secrets-for-freelancers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Smart Banking Secrets for Freelancers<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"advanced-strategies\">Advanced Strategies<\/h2>\n\n\n\n<p>Managing your financial life is more than saving. Expert planning has the potential to increase wealth, enhance risk management, and organize your finances. Here are ways to improve your pay-yourself-first strategy:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"combining-pay-yourself-first-with-investment-goals\">Combining Pay Yourself First with Investment Goals<\/h3>\n\n\n\n<p>It is essential to pay yourself first, and even more important to invest sooner. Investing a portion of the savings in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Long-term growth stocks or ETFs.<\/li>\n\n\n\n<li>Retirement plans such as 401(k) or IRA.<\/li>\n\n\n\n<li>Low-risk bonds for stability<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>In this manner, your money will be working for you and earning you money while you sleep. <a href=\"https:\/\/trybeem.com\/blog\/frugal-living-save-money-without-sacrifice\/\" target=\"_blank\" rel=\"noreferrer noopener\">Frugal planning<\/a> today is a way of attaining financial freedom in the future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"multiple-savings-buckets\">Multiple Savings Buckets<\/h3>\n\n\n\n<p>You should divide your savings into transparent buckets instead of a single large amount.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Emergency savings for unexpected expenses.<\/li>\n\n\n\n<li>Short-term goals like vacations or gadgets.<\/li>\n\n\n\n<li>Long-term investments for wealth building<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Your funds are categorized in separate accounts or sub-accounts. Such clarity facilitates financial discipline in achieving multiple goals.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"leveraging-financial-technology\">Leveraging Financial Technology<\/h3>\n\n\n\n<p>Modern tools simplify advanced strategies. Beem&#8217;s tools track savings, monitor budgets, and organize multiple goals. Everdraft provides instant support during emergencies, keeping your pay-yourself-first plan on track without disrupting your financial progress.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs-on-the-golden-money-rule-pay-yourself-first\">FAQs on The Golden Money Rule: Pay Yourself First<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1763464057316\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What percentage of my income should I pay myself first?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>It is a good starting point of 10-20% of your income. Adjust based on goals and expenses. Even a small percentage can build discipline and grow over time with consistency.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464062394\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I pay myself first if I have debt?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, pay yourself first, but make the minimum debt payments. By doing so, one ensures continuous savings and a gradual reduction of debts without the risk of spending the money and then having to save later.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464069234\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How soon should I start practicing the &#8216;pay yourself first&#8217; habit?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Start immediately, even with small amounts. The earlier the habit begins, the more time savings have to grow through interest and investments. It\u2019s better to focus on consistency than on size.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464078466\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can you use savings for emergencies?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you can tap into savings for unexpected costs. A dedicated emergency fund helps avoid panic spending. Additionally, tools like Beem Everdraft can assist if emergencies exceed your savings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464083873\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How does Beem Everdraft\u2122complement the pay-yourself-first rule?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Beem Everdraft\u2122provides immediate access to cash when required urgently, without incurring debt or interest. This secures your savings. When unexpected expenses arise, it is still possible to achieve the goal of paying yourself first.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464090066\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Can I combine pay-yourself-first with other budgeting methods?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it works well with the 50\/30\/20 or 70\/20\/10 rules. Pay yourself first ensures that savings are a priority, whereas budgeting approaches utilize spending and discretionary funds most effectively.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464096004\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How do I adjust my savings during months with irregular income?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Don&#8217;t save a fixed amount, save a fixed percentage of each paycheck. Close temporary holes with Beem Everdraft\u2122instead of developing a bad habit or using high-interest credit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464102290\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">What is the best way to automate savings?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>One should set up an automatic transfer to a savings or investment account right after receiving the income. Automation removes the temptation, keeps consistency, and the habit of paying oneself first is hard to break.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464107402\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">Will paying myself first affect my lifestyle spending?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>It may require some adjustments to discretionary spending initially, but savings ultimately lead to financial freedom in the long term. Eventually, disciplined savings reduce stress, and spending on wants becomes more confident.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1763464113595\" class=\"rank-math-list-item\">\n<h2 class=\"rank-math-question \">How quickly can I build an emergency fund by paying myself first?<\/h2>\n<div class=\"rank-math-answer \">\n\n<p>Building depends on the percentage of income and savings. Even a 10% increase per paycheck compounds quickly. Regular donations, whether big or small, will soon create a safety net.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>Paying yourself first is a habit that safeguards your future. Save first, spend second. This will make you grow instead of vanish. This puts you on the path to financial independence.<\/p>\n\n\n\n<p>In the long run, this simple rule builds stability and trust. Even small and steady contributions will grow into real wealth, providing security and freedom when life changes or plans evolve.<\/p>\n\n\n\n<p>And when surprise expenses arise, Beem\u2019s Everdraft\u2122 keeps you on track without breaking your savings routine. Are you willing to create a future that favors your ambitions? So, begin now, be regular, and see your financial future become firmer. <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.useline.line\" target=\"_blank\" rel=\"noreferrer noopener\"><u>Download the app now<\/u><\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever felt like payday money disappears faster than expected? Money comes in, bills get paid, a few small treats happen, and suddenly, saving gets pushed to \u201cnext month.\u201d This happens to many people because saving is often treated as something to do later, rather than something to do first. The Golden Money Rule shifts that [&hellip;]<\/p>\n","protected":false},"author":72,"featured_media":267228,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2313],"tags":[4790,107,18175,168,18176,191],"edited-by":[],"class_list":["post-283452","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-earn","tag-beem","tag-financial-planning","tag-golden-money-rule","tag-money-matters","tag-pay-yourself-first","tag-personal-finance"],"acf":[],"_links":{"self":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283452","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/users\/72"}],"replies":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/comments?post=283452"}],"version-history":[{"count":11,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283452\/revisions"}],"predecessor-version":[{"id":283463,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/posts\/283452\/revisions\/283463"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media\/267228"}],"wp:attachment":[{"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/media?parent=283452"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/categories?post=283452"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/tags?post=283452"},{"taxonomy":"edited-by","embeddable":true,"href":"https:\/\/trybeem.com\/blog\/wp-json\/wp\/v2\/edited-by?post=283452"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}