Are you earning more than ever but feel like your bank account has a hole in the bottom? You aren’t alone. Even for households earning $200k+, lifestyle inflation and the "unconscious spending" of the 2026 economy can leave you living paycheck to paycheck.

In this episode, Christina Spark (former Chartered Accountant and "Family COO") breaks down a simple Budgeting System. Learn how to set up a 5-account structure that automates your wealth, why it’s time to fire your credit cards and a step-by-step tutorial on using AI to categorize 12 months of expenses and save you money, in seconds. Strategy over stress starts here.

00:00 – Why High Earners Feel Broke

01:21 – Disclaimer

01:40 – Budgeting is a Trade-Off, Not a Sacrifice

3:28 – The 50/30/20 Rule in the Current Economy

4:15 – Tip: Using AI to Categorise 12 Months of Expenses

06:21 – Calculating Your Household Income

06:43 – Acct # 1) Savings - Pay Yourself First

07:43 – Acct #2) Needs

08:22 – Is Mortgage Savings or an Expense?

09:55 – Acct #3) Wants

10:28 – Acct # 4 & 5) - Your Struggle Accounts

13:34 – Breaking the Habit of Impulse Spending

15:19 – Why Credit Card Points are Actually Costing You

16:27 – US vs. Australia: The Credit Score Myth

17:29 – Bridging the Gap to a Gold Standard Budget

19:33 –It’s Not What You Make, It’s What You Keep

Disclaimer: The information provided in this podcast is for general education and entertainment purposes only, and does not constitute financial tax or legal advice. While I am a former Chartered Accountant, I am not your accountant and I do not know your specific financial situation. You should always consult with a licensed financial advisor or professional before making any significant financial decisions.

Connect with Christina: myfamilystrategist.com