Dave WordenTriumph Business Solutions · Founder

Money Answers Part 14 - Do you have any money left? #money #financialfreedom #shorts

4 May 2026 · 1 min

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0:58

In this short, the presenter answers a viewer’s question about how to handle a $50 surplus at the end of the month. He explains the Money Habit System’s three possible contexts for the surplus: (1) if the $50 remains in the income account, it should stay there so that on the next allocation it is split according to the user’s preset ratios – effectively treating the $50 as a tiny raise; (2) if the $50 is left over in a specific budget category, it should be left as a buffer for future expenses in that category; and (3) if the $50 consistently appears, the user can consider reallocating it to higher‑priority goals such as retirement or other long‑term savings. The tone is conversational and instructional, with a supportive, mildly enthusiastic attitude toward disciplined budgeting.

Chapters

If I have $50 at the end of the month, which doesn't happen often, LOL, what should I actually do with it? It depends on what you're saying in this email. If you have $50 left at the end of the month and it doesn't happen often, do you mean you have zero left or do you mean you have more than $50 left? I'm assuming you mean zero. When there's money left over after allocation, so you're following the Money Habit System, as money comes in, you categorize it accordingly and there's a surplus, let it stay in the income account. That way on the next dispersion, it'll get equally split up. It's effectively a small raise in your income. So if you're consistently having $50 left, you're reinserting an income, you can amplify your needs. I think the natural response is, oh, you have $50 left? Why don't you just throw it into a different account like retirement or something like that? Now, it's hard to understand from this question. If you have $50 left in a category, you let it ride. That's a buffer. And so just let it stay in that account for future use. But if you have $50 left on your income account, effectively, that's when we divide it up based upon the ratios.