 Hi, this is George Kow and today I present you with a simple tool that will help you create a healthier relationship with your money. I've been using this tool for at least five years. I can't remember how long it's been, but it's long as at least five years. And it really has improved my sense of financial security. And having greater sense of financial security has given me more creativity and courage in my business. And I think it'll really help you to have a less anxiety and greater sense of control over your money as well. So let's get going. And this tool is free and I'll show you how to get to it later. So this tool works best if you have a separate savings account. So first thing you do is you come into this tool and you fill out your goal amounts for whatever categories you want to fill out. So I don't have any children at this time, so I wouldn't put anything there, but I do have pets. So let's say, and these are kind of emergencies, so if something happens and you don't have insurance to cover it, what would you like to have an amount in there? I have pet health insurance, but there's a deductible and I think the deductible is something like $500 or something like that. So I just put $500 as the goal amount. Dental emergency, depending on what you think yours might be, but I think let's say $1,000 would be safe for that. Car emergency, so I don't actually need a car for my work, but if you do and if your car breaks down, you need to fix it, do you have money set aside for that? It's really nice when you do, so let's just say $1,000 as well. Computer tech appliances, so if your computer breaks down, for me, for example, my computer is incredibly important for my day-to-day work. And so if my computer breaks down, I need to fix it or buy a new one, I need to have money set aside for that. And so I'm just going to say $1,500 there. Vacation, it's really important to take vacations on a regular basis for your own sanity, renewal, not burning out, creativity, et cetera, et cetera. Vacations don't have to be expensive, so I'm just going to put in here, let's just say, I'll put in $1,000. Six months of living expenses, depending on what your regular monthly expenditures are, you multiply that by six. It's a good idea to try to save for a six-month living expenses buffer, just in case your income, for some reason, stops and you need to live off your buffer for a little while. So I'm just going to say, let's say your living expenses each month is $4,000. Six months would be $24,000. And you can even start this by saying, you know what, I'm just going to make something more doable for now and I'm just going to say three months since I haven't saved anything here. I'm just going to do that. For retirement account, now this is also really helpful to continue saving for your retirement. I'm just going to put in $10,000. Business improvement, funds so that you can hire a business coach or invest in some business systems or whatever. I'm just going to say $2,500. Dream project, maybe you want to invest in real estate or whatever. For parents, if you feel like you need to support them, charity. And finally, this taxes thing, it's hard to say what the goal is, but basically every month that you make money, you should set aside 30% for taxes. Let's say that the past month you made, let's say you made $3,000. Then you set aside $1,000. And then the current amount is every month when you transfer money into your savings account, try to save a little bit for each of these categories. So let's say you save $1,000 or let's say you save $500. And then you're going to save another $50 here, $100 here. So that this month you save $650, transfer that to your savings account. And then you have this much left that you know you're going to keep going. So just keep updating on a month-to-month basis. And I'm hoping that this is helpful for you to, as you keep updating every month and transferring more money to your savings account, eventually you want these numbers and the goal amounts to get to zero so that you've met your goals. And that way you feel like, gosh, I have $30,000 in my savings account and now I know what that's really set aside for. So I hope that's helpful. I'm always open to your questions. Oh, one thing I want to show you how to use it is you first have to be logged in to your Google Drive account. Google Drive is free. I use it every day. Log into your Google Drive account. And then go ahead and click on the link that's in the notes of this video and the link will bring you to this page. You then click on Use this Template and that will allow you to copy this for yourself and the yellow cells, by the way, are formulas. And don't touch those. Those are automatically updated. You just fill in everything in the white cells. And these are just for your own comments if you want to write anything there. So I hope this is helpful and let me know if it works for you. All right, take care.