Sometimes money shows up when you least expect it—refunds, rebates, gift cards, or even cash tucked away in a drawer. The question is: what do you do with it?In this episode, Frances shares a real story about finding forgotten gift cards and turning them into $100 of “surprise money.” You’ll learn how to avoid letting unexpected money slip through your fingers, and why the best approach is often simple: save some, spend some.Reflection Questions• How do I usually handle surprise money—do I spend it all, save it all, or split it?• What financial goal could I move closer to if I set aside part of the next surprise?• How might I celebrate without sabotaging progress?Action Steps1. Think back to the last time you had surprise money—what did you do with it?2. Decide right now how you’ll handle the next time it happens.3. Write it down so you’re ready when it comes.Breadcrumb for TodaySurprise money is an opportunity—use it to enjoy life now and build freedom for later.

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