Part 2 of the Spending Series gets practical: How do you decide where your discretionary money goes? Tim introduces a powerful exercise learned from coach Rich Litvin. The result? Crystal clarity on your true priorities—and permission to spend guilt-free on what matters while feeling relaxed about the rest. Shabbar shares a client story: Someone with plenty of money felt crushing guilt about going over budget on curtains for their home renovation. The real issue? An unconscious belief that exceeding budget = irresponsible. You'll explore: Why going "over budget" triggers shame even when you can afford it. The difference between intrinsic and extrinsic spending motivators. How to do the post-it note prioritization exercise (step-by-step). Why couples fight over money (hint: different values, not different numbers) Shabbar's dilemma: Golf holidays vs. pension contributions? Life-centered spending in action: Tim's Arsenal tickets, Shabbar's Himalayan trek. The insight: Budgeting shouldn't feel heavy. It should help you spend confidently on your top priorities while releasing guilt about everything else. Explore the impact of Tim Malnick's work and register for his upcoming workshop at: https://timothymalnick.com/ Find out more about Shabbar's services at: https://lumosfinancial.com/ Feel free to comment, ask questions, and connect with them both on Linkedin at: https://uk.linkedin.com/in/shabbarkassam https://uk.linkedin.com/in/timmalnick  

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