Join Cristina Perez, a certified financial planner at Bayntree Wealth Advisors, in this educational video on budgeting.

Cristina outlines five essential steps:
- Assess your after-tax income.
- Track and categorize expenses.
- Set clear financial goals.
- Create your budget, either using apps or a DIY approach.
- Continuously monitor and adjust your budget.

She recommends a 50-30-20 budgeting approach: 50% for needs, 30% for wants, and 20% for savings or debt repayment.

Remember to build an emergency fund and save for retirement. Use budgeting tools and apps to simplify the process.

🆓 Download your complimentary Bayntree Budgeting Basics Worksheet: https://a.bwa.one/bw

📞 Schedule a Call With a Bayntree Financial Planner to Discuss you 401k or Other Financial Goals
https://calendly.com/bayntreeteam/401k

🎯 Are You on Track for Retirement? Take Our Free Quiz to Find Out
https://www.bayntree.com/quiz

🚀 Download Your Free Dream Plan Retire Toolkit
https://www.bayntree.com/dpr-toolkit/

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#retirement #retirementplanning #retirementgoals #401K #401kandbeyond

Music: The Whole World Crashes Down – Astral Orange

Investment advice is offered through Bayntree Wealth Advisors, LLC, a SEC-registered investment adviser. Insurance and annuity products are offered separately through Bayntree Planning Group, LLC. Please note that Bayntree Wealth Advisors and its representatives do not give legal or tax advice. You are advised to seek the advice of a qualified professional prior to making any decision based on any specific information contained herein. The specific tax consequences of any investment or strategy will depend on your specific tax situation.