Kevin SimpsonCPA Web Books · Founder at CPA Web Books

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

4 May 2026 · 1 min

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In this short, the speaker addresses a viewer’s question about what to do with a $50 surplus at the end of the month. He explains the decision depends on where the surplus sits within his Money Habit System. If the extra $50 remains in the income account, it should stay there so that, during the next distribution, it will be split according to the user’s pre‑set allocation ratios—effectively treating the surplus as a tiny raise. If the $50 is left in a specific spending category, it should be treated as a buffer and left in that category for future use. The speaker also notes that if the surplus is truly extra income (i.e., not a recurring buffer), the user could consider directing it to other goals such as retirement. The overall guidance emphasizes letting the system handle small, irregular surpluses rather than making ad‑hoc decisions.

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.