What’s the difference between a need and a want in retirement? In this episode, Jason Bergey explores how budgeting, debt, and spending habits shape your financial future. From the “No Buy 2025” challenge to the risks of DIY debt payoff, Jason shares real-life stories and practical insights to help you build a plan that balances discipline with flexibility. Whether you’re navigating credit card debt, mortgage decisions, or just trying to avoid costly splurges, this episode offers a grounded look at how to stay on track without giving up what matters most.

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