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 host answers a viewer’s question about what to do with a $50 surplus at the end of the month. The explanation is framed around the Money Habit System, a budgeting method that categorizes incoming money, allocates it according to preset ratios, and treats any leftover as a small raise. The speaker advises that if the surplus sits in the income account, it should remain there so it can be redistributed in the next allocation cycle, effectively increasing income. If the surplus appears in a specific spending category, it should be left as a buffer for future use. The host also mentions the option of directing consistent leftovers to a retirement or other long‑term account, but emphasizes that the primary rule is to let surplus ride in its originating account until the next dispersion.

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.