Financial Coaching for Women: How To Budget, Manage Money, Pay Off Debt, Save Money, Paycheck Plans

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties… this one is GOOD. We’re back with the one and only 🎶 Coach Michelle 🎶 — our office hours queen and now the go-to for our Budget Setup Sessions! Today’s convo is all about what happens when real life hits your budget… and how community + clarity changes everything. 💛 When You’re Trying to Stay Debt-Free in a Hard Season Michelle shared the story of one of our longtime office hours friends: She was weighing: And instead of spiraling alone? She brought it to office hours. What happened next is why we love this community so much: No “finance bro” advice. No shame. Just real women saying: We see you. Let’s think this through together. That’s what office hours is for. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! This episode is for every mom who feels like she’s running a full-time taxi service, short-order cook, event planner, and somehow also expected to “just budget” on top of it all. We see you. We are you. Between volleyball tournaments, gymnastics, long drives, team dinners, school surprises, and figuring out who’s buying $9 eggs this week… there is NO extra time to sit down with a complicated spreadsheet. So today’s episode is all about budget shortcuts for busy moms — the kind that make your money run on autopilot so you can focus on your family (and maybe even breathe). Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Cindy’s story is one so many of us can relate to. After her divorce, she was suddenly in charge of everything financially. She was budgeting on a legal pad every paycheck, carrying around a purse full of cash envelopes, and dumping all extra money into one big savings account. It was working… technically. But: 💡 What Changed Instead of one giant savings bucket, Cindy created separate sub-accounts for things like: Now she knows exactly what every dollar is for. No more guessing. No more “I’ll just pull it from savings.” No more stress. She uses: And the best part? She’s retired now — and it still works beautifully. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check out Masha's Podcast! Hey budget besties 💕 If the word budget makes you want to run the other way, this episode is for you. Today we’re chatting with an entrepreneur who came into coaching with major resistance to budgeting. To her, it meant restriction, frugality, and being stuck in a financial cage. Sound familiar? But what she discovered? This isn’t your grandma’s budget. This is a budget system — and it creates freedom, clarity, and control. Even in a 90K launch month… when the money still somehow disappeared. Yep. We’re talking about: Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We’re talking about the B word — and no, not in a scary way. Here’s the truth: Most of us are running the same “money operating system” we had at 18. Meanwhile… life got more expensive, more complicated, and way busier. So what do we do? We upgrade the system. Not with more tracking. Not with spreadsheets you have to babysit. Not with budgeting apps that turn you into an accountant. We build a system that: Because you are too busy living your life to be manually moving money around all month. 💡 The 5-Part Budget Framework We’ve simplified everything into five columns. That’s it. IncomeDebtBillsSpending Savings Buckets We separate everything into clear accounts so your bank becomes your personal assistant. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Hey budget besties, this conversation is such a good reminder that true wealth is about so much more than what is sitting in your bank account. In this episode, we sit down with mindset coach Rebecca Whitman to talk about abundance, financial empowerment, and why money works best when it supports a full, healthy, joy-filled life. Rebecca shares her personal story of resilience, how she rebuilt after divorce and loss, and why she believes financial success starts with alignment in the rest of our lives first. We also talk about why women need a different conversation around money, how to stop letting money control us, and how to create a budget that feels supportive instead of restrictive. This one is full of encouragement, mindset shifts, and practical ideas you can start using right away. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! We walked through a real-life case study of a totally normal family — married, two kids, busy jobs, travel sports — bringing in $16,000 a month but carrying over $300,000 in debt (not including their mortgage) with $6,300 in minimum payments alone. After a tough season of loss and emotional spending, things spiraled. She had 34 debts and felt suffocated. But in just six months of coaching — without increasing their income — she paid off 11 debts and $30,000 total, reduced minimum payments by nearly $1,000 a month, got a full paycheck ahead, and finally created breathing room in her budget. And no, she didn’t stop living her life to do it. What made the difference? She did the work. She closed credit cards, called lenders to lower payments, refinanced a car, sold things around the house, negotiated bills, separated business and personal finances, and got intentional about side income for a season. She stopped reacting and started planning ahead with savings buckets — even setting up separate accounts for kids’ sports and annual expenses. The biggest shift wasn’t just financial, it was mental clarity. Once the system was built, it ran — and she didn’t have to track every penny anymore. Budget besties, this is what happens when you pair a clear plan with consistent action. It’s not about perfection — it’s about progress, and it’s absolutely possible for you too. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! This week, we pulled two real questions from our Facebook group, and they both came down to one thing: savings buckets. We’re talking through how to save for something coming up in just a few months, what to do when quarterly or annual bills pop up, and why you do not need to track every single dollar in your account at every moment. If you’ve ever wondered how to make short-term savings goals work inside your budget, how to pay bills from savings buckets, or how to stop stressing about check dates and bill dates, this episode is for you. We’re keeping it simple, practical, and way less overwhelming. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Why do smart, hardworking couples who make good money still end up stressed, stuck, and fighting about money every month? In this episode, we’re getting real about what’s actually going wrong for so many couples. It’s usually not a lack of effort. It’s not laziness. And it’s not because they “should know better.” More often, it’s an organization problem, not an income problem. You’ll hear real stories from couples who were tired of guessing with money, avoiding the numbers, relying on credit cards, and carrying tension into their marriage. Then everything started to change when they finally got a system, a plan, and a way to communicate without money talks turning into conflict. This episode is full of honest, relatable moments about what happens when couples stop winging it and start working together. From paying off debt to building savings to finally feeling calm, these stories show what’s possible when we stop shooting from the hip and start budgeting with intention. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! In this episode, we’re talking about what it really costs to run a business and why savings buckets are not a one-time thing. They are a revolving door. Money goes in, money comes out, and that cycle is what keeps us prepared for the real expenses that pop up all year long. We walk through examples from two very different businesses, an equestrian business and a restaurant, to show how unpredictable expenses, vendor payments, payroll, supplies, and seasonal changes can create stress when everything is living in one account. We also break down why your business budget is not the same thing as bookkeeping, why separate accounts can make your finances feel so much calmer, and how getting even a little ahead can completely change the way you run your business. This episode is for any budget bestie who is tired of reacting, scrambling, and hoping it all works out month to month. We want you to feel organized, clear, and confident about where your money is going. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Budget besties, if your money feels messy, scattered, or impossible to keep up with, this episode is for you. We’re answering real questions from our Facebook community about what makes money feel so disorganized and how to fix it in a way that actually works in real life. We talk about why one big savings account creates confusion, how separate savings buckets can bring instant clarity, why goals matter more than most people realize, and what to do when you feel overwhelmed, behind, or stuck in credit card chaos. We also dig into how to handle money conversations with your partner and why simplifying your banking setup can make budgeting feel so much easier. This conversation is practical, honest, and full of the kind of mindset shifts that help us stop avoiding our money and start giving it a job. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! In this episode, we talk with a woman who is successful, educated, and fully capable in every other area of life, but still feels completely out of control with her money. And honestly, that is something so many of us can relate to. We get into the truth about why budgeting can feel so hard, especially when your money is spread across multiple accounts, cards, apps, and payment platforms. We also talk about the guilt and shame that can show up around budgeting, and why beating yourself up is not the answer. This conversation is a reminder that you do not need a complicated spreadsheet or a restrictive plan to manage your money well. You need a simple system that shows you exactly what comes in, what goes out, and what your real life actually costs. When your money is organized into separate accounts for bills, spending, and savings, everything gets clearer, easier, and way less overwhelming. If you have ever felt like you should be better at money by now, this episode is for you, budget bestie. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Check Out Amy's Podcast! Budget besties, this episode is your reminder that a budget does not have to feel restrictive, confusing, or like a punishment. We’re talking all about how to make budgeting simple, realistic, and supportive of the life you actually want to live. In this conversation, we share why so many people struggle with budgeting in the first place. The truth is, most of us were never actually taught how to do it. We were expected to just know. And when traditional budgeting feels complicated, full of weird terms, or based on cutting out every fun thing in life, it’s no wonder so many people want nothing to do with it. That’s why we believe in being bougie on a budget. You can pay off debt and still enjoy your life. You can save money and still go on vacation. You can be intentional with your money without feeling stuck in scarcity. We break down a simpler budgeting system that helps you organize your money in a way that makes sense, lowers stress, and gives you more clarity. We also talk about why tracking every little expense after the fact is not the same thing as budgeting, and how separating your money into different accounts and savings buckets can completely change the game. We especially dig into what this looks like for moms and families juggling all the things, from groceries and daily spending to sports, travel, and those surprise activity costs that add up way faster than expected. In this episode, we talk about: Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Take The Free Money Stress Quiz! Ready? Buy Our Simplified Budget System Now! Hey budget besties, if you feel like every single dollar already has a job before it even hits your account, this episode is for you. We’re talking about how to break out of the paycheck-to-paycheck cycle by getting a paycheck ahead. We walk through what that actually means, why looking at your budget monthly changes everything, and the small ways you can create wiggle room even when money feels tight. From cutting subscriptions to lowering minimum payments to shifting due dates, this episode is all about getting you breathing room and helping you feel in control again. The goal is not perfection. The goal is relief, clarity, and finally getting to the point where you are not relying on each individual paycheck just to survive the month. What We Cover in This Episode Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! What happens when you are good with money on paper, but real life gets more expensive, more complicated, and way harder to manage once kids enter the picture? In this episode, we sit down with Brittany, who shares how she went from feeling like she was constantly paying for last month to finally getting ahead with a budgeting system that actually worked for her real life. After trying budgeting apps that felt overwhelming, restrictive, and way too focused on tracking the past, Brittany realized she needed something different — something that helped her plan forward instead of just reacting. She opens up about the stress of carrying balances, feeling like maybe she was the problem, and how switching to a simple, proactive system helped her pay off nearly $20,000 in debt in about five months while still taking family vacations, planning ahead, and living life. We also talk about automations, savings buckets, budgeting with fluctuating income, and what it looks like to trust yourself with your numbers instead of living in constant money stress. This conversation is such a good reminder that financial clarity is not about perfection. It is about creating a plan that supports your life, gives you options, and helps you feel calm, confident, and in control. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! Michelle is back from office hours, and this episode is full of the kind of wins that remind us why budgeting matters. We are talking real-life progress, not perfection. From staying on budget for a kid’s birthday to paying for Disney in cash, these budget besties are proving that clarity and intentionality can change everything. This conversation is part strategy, part therapy, and honestly, that is what so many of us need. Sometimes we need a plan. Sometimes we need permission. And sometimes we just need someone to say, “Yes, you can do this.” In this episode, we talk about: The biggest takeaway? A lot of us do not have a money failure problem. We have a clarity problem. When our money is scattered, unplanned, and hard to see, it is almost impossible to feel confident. But once it is all laid out simply, we can finally make empowered decisions. This episode is a reminder that budgeting is not about restriction. It is about giving ourselves breathing room, celebrating wins, and building a system that supports real life. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! Did you know 55% of Americans say money is the biggest source of stress in their lives? Budget besties, we are not surprised. In this episode, we’re talking about why money feels so heavy, why it keeps us up at night, and why it causes so much tension in our homes and relationships. The truth is, for most of us, it’s not just about how much money we make. It’s about disorganization, not knowing our numbers, and trying to live life with our head in the sand. We’re breaking down why avoiding your finances actually makes the stress worse, and how getting your money on paper can instantly bring clarity. Because once you can see your numbers, you can start making decisions on purpose instead of living in constant background panic. We also talk about how separating your money into simple categories and accounts can reduce chaos, help you stop relying on credit cards, and make money conversations with your spouse feel way less explosive. This episode is your reminder that money does not have to control your peace. You can simplify it, organize it, and start feeling more in control. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! In this heartfelt episode, we talk with Alana, a wife and mom of three who is navigating recovery after two heart attacks at just 36 years old. In the middle of a serious health crisis, she shares how getting her budget organized has brought her a real sense of peace. Alana opens up about medical leave, disability income, surprise bills, and the mental load of managing money for a family with multiple dietary restrictions. Together, we talk through what is already working in her budget, where grocery spending feels tricky, and how creating separate accounts for bills and spending can reduce stress in a huge way. This conversation is such a good reminder that budgeting is not about perfection. It is about creating clarity, building systems that support your real life, and giving yourself grace when life gets hard. What We Talk About: Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! Do you make good money but still feel like you have nothing to show for it? Budget besties, this episode is full of real-life coaching lessons that prove small money moves can make a huge difference. We’re sharing client stories and honest budget breakthroughs, from lowering debt payments by more than $400 a month, to fixing sneaky budget issues like “every 4 weeks” expenses, to knowing when to pause savings buckets so you can knock out debt faster. We’re also talking about something that can feel super uncomfortable but matters so much: teaching our kids financial responsibility. Whether your adult child still lives at home or you’re just trying to raise money-smart kids, this conversation will help you think about how to build confidence, responsibility, and real-life financial skills. This episode is your reminder that you do not have to figure it all out alone. Sometimes all it takes is a fresh set of eyes, a little tough love, and a simple plan that actually works. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.

Curious? Watch Our How To Budget Workshop! Ready? Buy Our Simplified Budget System Now! Budget besties, April is basically here, and that means it’s time to make a fresh budget before the month starts. In this episode, we walk through exactly how to build your April budget step by step in a way that feels simple, realistic, and doable. We’re talking about how to list your income, include your minimum debt payments, organize your bills, set spending categories that actually fit your real life, and plan ahead for the month-specific expenses that always seem to sneak up on us. We also talk about why making your budget before April starts matters so much, especially if you’re already using an end-of-March paycheck for next month’s expenses. And we show how budgeting does not have to mean tracking every little transaction. It can be clear, quick, and way less stressful than you think. This episode is your reminder that your budget should work for your life, not the other way around. Let’s Take Our Relationship To The Next Level: 1️⃣ Facebook Group ➡︎ budgetbesties.com/facebook 2️⃣ Be on the Podcast ➡︎ budgetbesties.com/livecall 3️⃣ Private 1-on-1 Coaching. ➡︎ budgetbesties.com/coaching This podcast is for educational and informational purposes only and is not personal financial, legal, or tax advice. This description may contain affiliate links, meaning we may get a commission at no cost to you if you click & purchase. Click here to view our privacy policy.