Welcome to Episode 37 of the Rational Reminder Podcast. On today’s show we are joined by Lindsay Plumb, Chief Coach-ess of MOOLA Financial Coaches and Advisors. We’re discussing spending and budgeting, because that’s kind of the opposite end of the spectrum of what we always talk about. We usually assume people already have wealth, but that’s not always the case. Even if you do, both spending and budgeting are super important. Just getting in line with your values and what you spend money on, that affects everybody, no matter how many assets you might have. So in this episode we dive into what it means to have an understanding and alignment of what your values are and what your goals are and how that should inform your financial decisions. We’re helping you help yourself and for that we’ve brought in the Chief Coach-ess with the most-ess. So, for all this and more, keep listening!   Key Points From This Episode: Hear about Lindsay’s background and what she does within MOOLA. [0:02:20.0] Why budgeting is so hard. [0:03:35.0] Discovering your goals and articulating your values. [0:04:56.0] Using a tool that allows you to stick to a budget. [0:05:48.9] Understanding the difference between budgeting and tracking. [0:07:40.0] Why people blow out their budget on food. [0:08:32.0] Coaching people to change their behaviour. [0:09:47.0] How Lindsay advises her clients to coach their kids to modify their behavior. [0:12:41.0] Speaking in somebody else’s language, especially kids. [0:14:13.0] How to do bank accounts as couples. [0:16:48.0] Sudden wealth and how it can affect someones relationship with money. [0:21:50] Retirement and planning for philanthropic or legacy goals. [0:24:50] How Lindsay defines success in her own life. [0:29:30.0] And much more!