Join us for this episode as we meet Shaun and Kimberly, and explore a common financial challenge — the lack of a safety net. Some 55% of Americans have no emergency savings whatsoever. When we aren’t prepared, we’re more likely to pull out the plastic to charge our emergency expenses, digging ourselves into an even bigger hole. Unfortunately, that’s exactly what happened to Shaun when she was faced with unexpected medical bills. What’s the solution? Budgeting. It’s absolutely essential when it comes to having enough for your eventual retirement. Although budgeting isn’t a skill that Shaun was raised with, she’s on board to learn so she can close her retirement gap. We were thrilled to pair 42-year-old Shaun — a junior art director in New York City — with Kimberly Foss, founder of Empyrion Wealth Management and author of the book Wealthy By Design. Tune in to this episode to hear Kimberly guide Shaun through the maze of paying off back-taxes, student loans, and credit cards — all while creating her first budget, and taking the first steps toward planning for a stress-free retirement.