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If you have a goal to reach a 100k net worth, whether it be in 2025 or beyond, you need a budget. And the very best budgeting method to follow is what I call a zero-based three-bucket budget. So I've been following this budgeting method for just over five years at this point. And you know, it's helped me optimize my spending. It's helped me reach my financial goals. But most importantly, it's helped me feel really confident in my financial situation. So traditionally, a zero-based budget will allocate every dollar of income that you earn towards either an expense or a financial goal. But I like to take it one step further and get a little bit more granular and divide your income up into three key buckets, which are your essential expenses, your financial goals, and your non-essential expenses in that order. So essentials are just like your cost to exist. Financial goals are either saving, investing, or debt pay-off goals, and non-essentials are basically everything else. And the formula is pretty simple. So you just take your monthly income and you subtract your essential expenses, then how much you're putting towards your financial goals, and that remainder is what you can put towards your discretionary lifestyle, non-essential spending. Obviously, if you have questions about any of this, let me know.