Where Does Your Money Actually Go?
By the end of this lesson, you can sort your spending into fixed costs, flexible costs and savings, and see how small leaks add up.
The big idea
Most people know how much they make. Very few know where it goes. Money leaves in three ways:
- Fixed costs are the same every month: rent, a phone bill, insurance, a car note.
- Flexible costs change: food, gas, going out, shopping.
- Savings is what you keep. If you only save what's left at the end of the month, there's usually nothing left.
The trick most people miss is the small stuff. A $6 drink every workday is about $130 a month, or around $1,500 a year. None of it feels big in the moment. That's why it's called a leak, not a crash.
The fix isn't "never spend." It's pay yourself first: move a set amount to savings the day money comes in, then live on the rest.
3 stops in BERLO City
Tap "Go there" to fly straight to each stop. Answer the question before you move on.
1. West End homes and the plaza
- Look for
- Today's apartment rent in the West End Times on the plaza
2. The Port and the freight road
- Look for
- What the residents' jobs pay per day
3. Corner Market
- Look for
- Where residents buy everyday things
3 quick questions
Your real-life task
Write down every dollar you spend for 7 days. At the end, circle your three biggest leaks.
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