With recent economic indicators pointing towards a potential recession, it’s crucial to take proactive steps to safeguard your financial well-being. High unemployment rates, rising interest rates, and a downturn in the stock market are all signs that we may be heading into challenging times.

One of the biggest challenges in maintaining financial discipline is staying accountable. But there’s a simple technique that can make it easier: temptation bundling.

I did not come from wealth, and I still have a ways to go on my financial journey. But I'd like to take you along with me. In 18 months, I hope to have a net worth of $100,000.