Act Your Wage. "You need to learn to live on less than you make. You are not in Congress!" Dave Ramsey. (50%* gross salary spending money, 20%* of gross salary for taxes. Not from Dave Ramsey) "We sell Crock-Pots here, not microwaves." Dave Ramsey.
Emergency Fund/Rainy Day. "Why? Because is going to rain!" Dave Ramsey. (Remember Covid 19 National Shutdown 2020. Depend on God and yourself, not the government! God is your Provider not the goverment!)
Pay cash for things you need or want. You spend less! (10%* gross salary after beginner emergency fund and regular emergency fund is complete. Not from Dave Ramsey)