In episode 98 of Financial Conditioning, Simon Karmarkar delves into essential budgeting strategies, including zero-based budgeting, realistic planning, and useful tools. He highlights the benefits of automating finances and meal planning and introduces a weekly budget for tracking expenses. Simon also covers sensible credit card use, setting limits, and the role of accountability partners. Retirement readiness is explored with a focus on portfolio strategies and transitions. Expert Joe Saul-Sehy shares investment insights, and Simon discusses customizing retirement plans and overcoming behavioral challenges, concluding with tips for financial empowerment.

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