In this episode, Mark discusses the process of creating an income and expense statement to track and manage personal finances. He provides detailed guidance on gathering financial information, organizing it, and analyzing it to improve savings and spending habits.  Mark also answers a listener question sharing his experience with the “fun bucket” as a mechanism to rewire the mindset from accumulation to spending in retirement. Send your questions to [email protected] (put “Podcast Question” in the subject line) Episode Links: Quicken YNAB Spending Tracker app (Apple) Spending Tracker app (Google) The 4% Rule Early Retirement Now – Safe Withdrawal Rate Series The Fun Bucket Timestamps: 00:27 Recap from the EconoMe Conference 01:07 Diving Into the Income & Expense Statement 02:04 Gathering the Information 04:25 Organizing Your Financial Data into Income, Savings, and Expenses 15:41 Analyzing Your Financial Data for Better Money Management 17:24 Maximizing Your Savings: Strategies and Tools 18:51 Finding the Right System for You 20:52 Listener Question: Developing a Spending Mindset with the Fun Bucket 31:26 Listener Engagement and Show Wrap-Up