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Do you hate budgeting? You’re not alone—and financial expert Kim Butler says you don’t actually need one to build wealth and security. In this episode of The Teacher Money Show, Shaun Morgan sits down with Kim to explore a smarter way for teachers to manage money without the stress of a traditional budget.

Kim introduces the powerful concept of the “reservoir account”—a simple system where all income flows into one account before being distributed into your checking account, emergency fund, and investments. This method helps teachers avoid overspending, automatically save more, and gain peace of mind without tracking every expense.

Here are some highlights:

-Why traditional budgets often fail for teachers (hint its not just teachers)

-How to build a $10,000 emergency fund with confidence using your reservoir.

-Savings are to pursue opportunities, not just retirement

-You might want to rethink retirement and to find purpose beyond age 65

If you’re a teacher who struggles with budgeting but still wants to save money, reduce stress, and prepare for financial freedom, this episode will show you a practical alternative that works.

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Explore the show notes at:

https://www.teachermoneyshow.com/show94

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https://www.teachermoneyshow.com/guest

Leave a voicemail question:

https://www.speakpipe.com/teachermoneyshow

Bring me to your school to talk personal finance for teachers!

https://www.shaunkmorgan.com

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