The Budgeting Hack That Changed My Life – And It’s Not a Spreadsheet with Queenie Tan

She’s back! Finance educator and budgeting queen Queenie Tan joins Molly to talk about her brand-new book The Fun Finance Formula and why making money fun is the secret sauce to actually sticking to a budget.

In this episode, we deep-dive into how Queenie manages her money (spoiler: it’s not spreadsheets), how she built the app BillRoo to simplify budgeting, and why most people are doing budgeting backwards.

Perfect for corporate millennials juggling careers, bills, babies (or fur babies), and a million tabs open in their brain—this episode breaks down:
✅ The 4 types of money and how to shift into “fun & skilled” money
✅ A step-by-step guide to setting up a budget that actually works
✅ Tools and apps (including AI!) that make money management easier
✅ How to have regular money check-ins with your partner (without killing the vibe)
✅ Tips to stay motivated without guilt or shame

Whether you’re saving for a home, planning a wedding, or just tired of wondering where your paycheque went - this episode will get you organised, inspired, and ready to take control of your money.

🎧 Listen now and grab Queenie’s new book anywhere you buy your reads (or listens)!

This episode is brought to you by InvestorKit, Australia’s #1 Buyers Agency for 2023 and 2024. They specialise in helping investors find high-growth properties utilising industry leading AI and data driven research process across Australia. 70%+ of the properties they purchase are off-market and they have consistently outperformed national average capital growth rates by over 49%. Whether you’re looking to build your property portfolio or secure your first investment. Check them out here.

CHAPTERS

00:00 – Welcome to Get Rich & Molly’s money mission
01:16 – Introducing Queenie Tan: Author, TikToker, and budgeting expert
02:23 – Why Queenie wrote The Fun Finance Formula
03:39 – How Queenie’s frugal dad helped shape her money mindset
04:45 – The lightbulb moment: Finance should be fun
05:23 – The 4 types of money: Fun vs heavy, lucky vs skilled
07:24 – Where to find the book + audiobook details
08:24 – Budgeting step-by-step: Where to begin
09:13 – Using Billroo or spreadsheets to track spending
10:54 – Queenie’s full budgeting method explained
13:27 – Monthly check-ins: Why they matter
14:14 – How Queenie adjusts spending to meet savings goals
15:26 – Real example: Queenie’s $400 savings with solar
16:38 – Why solar doesn’t get enough airtime
16:59 – Is connecting your bank account to an app safe?
18:44 – What is open banking and how it protects you
19:58 – Forecasting your future spending
20:08 – Billroo pricing: Free trial + monthly cost
21:03 – The biggest surprise people discover when budgeting
22:34 – Final tips: Why having a system is the real secret
23:33 – Where to find Queenie’s book and budgeting app

LINKS FROM THE EPISODE

Budget Breakdown Template (Free Spreadsheet) -https://www.ladiesfinanceclub.com/money
Billroo Budgeting App - https://billroo.com/ 
The Fun Finance Formula – Book by Queenie Tan - https://www.investwithqueenie.com/the-fun-finance-formula/

CONNECT WITH QUEENIE TAN

Website: https://www.investwithqueenie.com/
Instagram: https://www.instagram.com/investwithqueenie/
LinkedIn: https://www.linkedin.com/in/queenietan/
YouTube: https://www.youtube.com/channel/UCOYBaRNdosHLQvIZc1DNHDg
TikTok: https://www.tiktok.com/@investwithqueenie

CONNECT WITH LADIES FINANCE CLUB

Join our free Facebook group - Ladies Finance Club Money Chat
Website: https://www.ladiesfinanceclub.com/
Instagram: https://www.instagram.com/ladiesfinanceclub/
LinkedIn: https://www.linkedin.com/company/ladies-finance-club/

TAKEAWAYS

• The book 'The Fun Finance Formula' aims to make finance enjoyable.
• There are four types of money: fun and lucky, fun and skilled, heavy and lucky, and heavy and skilled.
• Making finance fun is essential for financial success.
• Budgeting can be overwhelming, but it can be simplified with tools.
• Tracking expenses helps in making informed financial decisions.
• Don't feel guilty about spending; focus on aligning spending with values.
• Open banking provides a secure way to connect financial accounts.
• Budgeting apps can help identify unnecessary subscriptions.
• Regular check-ins with your budget can lead to better financial habits.
• Having a system in place is crucial for financial management.

SOUND BITES

"Budgeting can be quite overwhelming."
"Don't feel guilty about your spending."
"It makes you feel good about yourself."

TRANSCRIPT

[00:00:00] Molly: Welcome to Get Rich, the podcast that helps you do just that. Get rich and stay rich. Hey, I'm Molly Benjamin. I'm the founder of Ladies Finance Club, one of Australia's largest financial education platforms for women. But before I started helping thousands of women take control with their money, I was a hot financial mess when it came to my own finances and not the fun kind of hot, more like crying in a supermarket, wondering where all my money went kind of hot.

[00:00:29] But here's the thing, if I can go from financial mess to owning a share portfolio, investing in property, and building wealth. Then you can too. My mission is simple to make women rich because when we have financial freedom, we have choices, confidence, and control over our future. Every week on Get Rich, I sit down with some of the best experts in the industry to break down how we can all start investing, growing our money, and creating long-term financial security without the jargon, boring bits or overwhelm.

[00:01:02] Because when women get rich, we don't just change our lives. We change the world. So if you're ready to start making some Smart Money moves, hit that subscribe button and let's get Rich together.

[00:01:16] Welcome back to Get Rich, the podcast that helps you do just that. Get rich and stay rich. So today I'm joined by the one and only Queenie Tan. She's a money educator. Budgeting whiz TikTok extraordinaire, and now she's a published author. Very exciting. So we dive into why tracking your spending doesn't have to be stressful, and we step you through how to actually budget using the formula that Queenie uses.

[00:01:43] And so we'll definitely chat about her brand new book, the Fun Finance Formula as well. So let's get into it. And remember, if you haven't hit that subscribe button, please do. We will love you forever. All right, let's do this. Queenie, welcome back to, uh, ladies Finance Club podcast. Get Rich. We're

[00:02:02] Queenie: excited to have you

[00:02:03] Molly: on.

[00:02:04] Queenie: Thank you so much for having me. I'm so excited to be here. Love everything that you're doing, and I love your community. It's amazing. Right

[00:02:11] Molly: back at you. Now. You have been busy, busy, busy. Oh my gosh. So let's start with, you've bought out a book of massive congratulations. I know how hard it is to do a book, to finish a book.

[00:02:23] So what is it? When is it, where can we find it? What's it about? Give us the spiel.

[00:02:30] Queenie: Oh, thank you so much. Yeah, it is super exciting and was definitely taking lots of inspiration from you and your amazing book. So yeah, thank you for blazing the Way and being very inspiring. I guess the inspiration for the book, because I'm sure you know there are so many books out there.

[00:02:46] So many books about personal finance exist and I didn't wanna just create another book about personal finance that I just didn't feel like hit any new angles or like just was repeating the same stuff that has already been said before. So it was really important that this book meant something and had a good purpose.

[00:03:03] And so I actually had the idea for my book. It really just came to me one night over dinner. So I was having dinner with my dad and he actually basically raised me as a single parent. Wow. Wow. He retired early. He was able to stay home and raised me as like a single parent, but he was extremely frugal.

[00:03:21] Very frugal. I never felt like we were rich growing up because we didn't live in a fancy area or like drive a fancy car, and I went to public schools, so I never felt like we were rich, but I later realized that we were actually rich in ways that I didn't realize at the time. He had assets, he had investments, passive income.

[00:03:39] He didn't need to work. And so when I was having my dad over for dinner this time, it just really hit me on how some people are able to really excel with their finances and some people aren't. And basically we were sitting down. And we were both really excited and he was just basically really excited because he found this really great deal at Kmart and he found like a backpack for like $7.

[00:04:02] And he was like telling me, it was like, Queenie, I put this backpack, guess how much it was? And I was like, it's. I don't know, was it $20? And he was like, no, it was $7. And he was so excited. And then I was telling him, you know, oh, I'm so excited. I've just started investing for gia, and if I invest a thousand dollars a year, she'll have all this money by the time she's older and she won't have to worry.

[00:04:27] And I was just telling him all of this about investing what I'm doing, and then it really hit me in that moment. We were both having fun, like we were both having a lot of fun explaining these things. So. My dad was having fun because he loves finding a bargain. I was having fun explaining, investing what I've set up for my baby daughter.

[00:04:45] And I've realized that if you want to be good with finances, you have to make it fun. Yes. And you have to enjoy the process. And I think it, your book also touches on this as well. Like girls just wanna have funds and like that aspect of like making finance fun. I just feel like it's not said enough.

[00:05:02] People think that finance is boring. It's stressful, but it doesn't have to be that way. It should be fun.

[00:05:08] Molly: Awesome. So what is in the book? Does it kind of take us through a series of different subjects or topics?

[00:05:15] Queenie: Yeah, so I think there are three things that I really liked writing about in this book that I feel like is a bit of a new take.

[00:05:23] So the first one is that there are actually four different types of money. Mm-hmm. And I've realized that you know how people say that money is evil. Yeah, they're like, money is evil. Yeah. But then some people say money is like good and it can help me achieve my dreams. And I think reflecting on these things, I've realized that they're both actually correct.

[00:05:43] Because money can be evil. Yeah. But it can also be good. And there are four different types of money. So the first type of money is. Fun and lucky money and this is basically money that you hear. What, when you hear someone has won the lotto? Yeah, or finding $20 on the street. It like comes to you easily and it's very lucky, but you don't get to control when it happens or if it ever happens again.

[00:06:07] Yeah, there's also fun and skilled money, which is basically like earning money from a job that you love. Starting a business, earning money that way. Earning money through a side hustle or earning money through investing in things that you actually enjoy. Yeah, and this is money That's fun. But it's more in your control 'cause it's tied to your skills.

[00:06:26] Mm-hmm. So ideally that's the money that we wanna be earning. 'cause we can grow it and we can scale it and we can control it more than lucky money. Yeah. And then there's heavy and lucky money. So this is money that's tied to sadness. So things like receiving an inheritance. Getting a severance package after being laid off from a job that you loved or heavy in skills, money, which is kind of like money that you earn, but it feels a bit off.

[00:06:52] Yeah. Like, you know, if you earn money through a job that you don't love, or if you earn money in a bit of a dodgy, sketchy way, it just doesn't feel very good. Mm-hmm. Yeah. You, we kind of wanna avoid those. Heavy money quadrants because when we receive that money, it doesn't have that same happy energy and we don't feel as good.

[00:07:11] You know? Obviously sometimes it's unavoidable. Yeah. But ideally we want to be in that fun and skilled money quadrant. 'cause that's the, that's the dream quadrant.

[00:07:19] Molly: Okay. Awesome. Great. And so what's it called and where can we find.

[00:07:24] Queenie: Oh, thank you. Um, so it's called the Fun Finance Formula. You can find it at pretty much all major bookstores also on Amazon.

[00:07:32] And if you are an audio book reader like I am, I don't know about you Molly, but I love audio book stuff. Yes. You can also find it on there as well.

[00:07:38] Molly: And did you do the audio book yourself?

[00:07:41] Queenie: I did, yeah. Which was also very, it's a bit draining to be honest, reading a whole book. Yeah. But I think it gets easier.

[00:07:48] Did you do an audio book? Because I, I read the physical, but not I

[00:07:51] Molly: did, and I realized how much I struggle with saying simple words. Oh yes. Oh my gosh. There was one, it was specifically, and I just could never say it. I'd be like, perfectly, perfectly. I'm like, what is going on? Why can't I say simple word?

[00:08:06] Why did I put it in the book? No. And I try to be really diverse with the names I'm using. So it wasn't just like Sarah Jess. So I had a few different diverse names, but then I had to pronounce 'em. I was like. Oh, I don't know how to say this. So, yeah, no. Yeah, it was, it was a very interesting experience, but it definitely is like five hours at a time.

[00:08:24] Pretty draining. Yes, it is. So I'm very excited to talk about budgeting Queenie, because if there's someone who is good at budgeting, it is you. In fact, you've created a budgeting app. This is how much you are all over budgeting. So what I would love to do is just chat through like. Step by step, really break it down.

[00:08:46] How do you budget? 'cause you obviously budget very well. So like for someone who's brand new, who's like, it's time, it's time I start budgeting. Where do they begin? Ooh.

[00:08:57] Queenie: Okay. So I feel like most people, you probably have money in a few different places. I know, I certainly do. And that's why budgeting can be quite overwhelming 'cause you've got this bank account and this bank account and it's a bit overwhelming to see it all in the one place.

[00:09:13] So what I like to do, and this is a bit daunting, not gonna lie, but I go through pretty much all of my banking apps. And I basically download all of the transactions that I have had over the last month. Yeah, so I used to do this in a spreadsheet. I used to basically go into my different banking apps, download the CSV, and then upload them to my spreadsheet.

[00:09:36] Now I've built this budgeting tool that basically makes it a lot easier to manage. So I have like automatic bank connections to my bank accounts. Yeah. The only one that it doesn't link to is my Amex. Because it's not part of open banking yet, so I usually just download that one and upload it. Okay. But you can basically do it within a spreadsheet.

[00:09:53] You can do it in a budgeting tool like Bill Ru. There are some other really great options out there like fro We Money Pocket Smith, like there are a few different ones, so definitely play around with them. Have a look and see which one you like and has features that you'll use. The most important thing is finding one that works for you, whether it's a spreadsheet or an app.

[00:10:13] And after I kind of look through my transactions, I basically build a budget based on my previous three months of expenses. Yeah, and kind of get an average. I actually like to do this with AI because I find it just a lot easier. So basically I'll go through my transactions, I'll see what my average monthly spend has been for housing.

[00:10:35] Utilities, maybe I'll get all my transactions up. Yeah. So things like how much money I've earned, how much money my partner earns because we combine finances. Yeah. How much I've received in like, say, dividends, earning money through Facebook marketplace. Any other income streams that I have, I list them down and how much I usually earn.

[00:10:54] Then I go through things that I'm saving for. So for example, an emergency fund, a wedding, a holiday fund. I go through my investments, how much I would like to invest per month. So I like to invest in shares, ETFs, crypto. I have an investment property as well. So I'll list down all of those things. Any debt that I want to pay off, I'm currently not actively trying to pay off my debt quickly.

[00:11:17] Yeah. But if I wanted to, I would put that in here. Yeah. And then I go through all of my expenses. So housing, rental, mortgage, water, groceries. Car, hobbies, transport, travel, clothes, basically all of my different expenses, I

[00:11:32] Molly: put them down. So to confirm, you download all your different, so let's say you've got in, you've got nav, you've got Commonwealth Bank.

[00:11:40] So you either like link them or you download those CSV files, you upload them to Bill, and then it will categorize. Or do you go in and categorize? Or does it automatically categorize what? Like, oh, you've been at Kohl's. This is obviously groceries.

[00:11:55] Queenie: Yeah. Yeah. It automatically categorizes things. But if anything's like miscategorized or like say for example, I love having a category called like Baby.

[00:12:04] 'cause I wanna see how much I've spent on baby items. I can like change the category into something that I prefer. And um, yeah, I just find that it's a lot more simple. 'cause I found a lot of the tools out there, they don't allow you to create your own categories or change things. Yeah. So that was something important to me.

[00:12:21] Molly: That's great. We should totally do another episode one day on Just Baby and what they cost, because I would be very curious to know. Yes. Um, okay, great. So you've got that. So then you can go, okay, this is what the average was for the last three months. So I can kind of then use that as this is what I'm probably gonna spend for this next month.

[00:12:41] Queenie: Exactly. Exactly. So you can see the average. And then if there are any adjustments that you wanna make, like let's say for example. You went on holiday the last three months, you're probably not going to do that in the next three months. Maybe you can adjust a travel budget. Yeah. Or maybe if you've bought some clothes or spent quite a lot of money on eating out or some of those things, you could be like, Ooh, maybe the next few months I wanna save a bit more money.

[00:13:03] And you can choose. What you would like to spend basically in the future. So it's not like set in stone, but I do also encourage you to not feel guilty about your spending. 'cause it can be so hard to feel bad about it. Yeah, don't feel guilty about it. It's just basically can help you spend more within your values and set your intentions for the next month and the next month after that.

[00:13:27] Molly: Yeah, absolutely. So then once you have that and you know what you are, you know what you're spending, how often do you check in with it? Every

[00:13:36] Queenie: month. And people do this differently because some people like to, they get paid weekly or fortnightly, maybe they wanna check in weekly and see what they spent. So I personally like to do monthly, but it's completely up to you.

[00:13:48] I'd just like to check in and see if I'm on track with my goals, if there's anything that I really need to, if I really need to reign in my spending on something. For example, I'm having a wedding next year, so I've been spending a lot on wedding expenses and I need to rate my spending on other categories, so that's something that I'm definitely more mindful of, but I really love how depending on which app you use, it will actually be able to show you.

[00:14:14] If you're on track with your budget, if you're over budget, under budget, I also have like a little, there's a little AI tool on Beru, so mm-hmm. I can quickly ask it questions about my budget. So is there anything I should be mindful of? How does my spending compare to the average person? And it might tell me, your spending is really great in this category, but maybe it looks a bit high in this category, but maybe that's okay because maybe you really value travel or beauty or things like that.

[00:14:42] Yeah. If that makes

[00:14:43] Molly: sense. Yeah. So good. And I imagine with like all the people using Veru, do you get overview on like, okay, this is how much the average Australian, who's got maybe like two kids is spending on groceries?

[00:14:57] Queenie: Yeah. Yeah, absolutely. So interesting. It is so interesting, like seeing, I guess we, we do like to have a look and see like what people are asking.

[00:15:05] So yeah. What kind of questions come up more frequently, like yeah, what's the average spend like if we look at everyone in certain categories. So yeah, it is super interesting to see.

[00:15:16] Molly: And do you find personally, like if you know you've spent X amount over the last three months is pretty similar or does it really change month to month?

[00:15:26] Queenie: Ooh, it kind of does change. Mm-hmm. So for example, I recently got solar and uh, we live in like a, yeah, it's amazing. We live in a townhouse, so we don't have that many solar panels. So I was curious to see how much spending. This quarter compared with basically last year, last quarter. Yeah. And the good news is like I can actually see all of my data that that long ago, and I love using like a tool where it's all there and I can easily bring these things up.

[00:15:53] Yeah. And yeah, this time, last quarter. I spent like $900 for like this winter block, which is a lot of money for like three months. But then this quarter I spent $500, which is massive reduction thanks to solar, which has been really cool.

[00:16:09] Molly: Awesome. We did a great episode on solar a couple of weeks ago, so guys, definitely check that out if you are thinking about solar.

[00:16:16] 'cause I'm a massive advocate of using solar. It's a great way to reduce your bills.

[00:16:21] Queenie: Yeah, exactly. And reduce your carbon foot footprint at the same time. So it's like win-win.

[00:16:27] Molly: I feel like it doesn't get enough airtime with how good it is and how much it can save on your bills and like you're gonna be paying these bills anyway, so you may as well be paying off solar instead of paying these bills.

[00:16:38] Yeah, it's such a win-win. Exactly. It really is. It really is. Okay, so I know when it comes to budgeting apps, a lot of people have questions around the security and it's a question we always get every time. We're like working with a budgeting app. So how can people feel secure knowing that their data's gonna be secure and that they people won't have access to their bank accounts?

[00:16:59] Queenie: Oh yeah, of course. So it's super important, and basically when we were building this tool, one of the things that we were thinking was, we wanna make it easy for people because not everyone's gonna want to go into their banking apps, download CSVs and upload them. Yes. So we wanted an option for people to.

[00:17:17] Be able to connect automatically. But then we also, for the people that didn't want to connect automatically, we wanted people to be able to add manual transactions and upload CSVs. Yeah. If they wanted to. So that's the first thing, like you don't have to connect if you don't want to. There's always an option to add manually or upload CSVs if that's what you prefer.

[00:17:37] But the way that we. Do connect to bank accounts is through something called open banking. Mm-hmm. And we went down this deep rabbit hole when we were looking at providers, basically open banking, it's actually government initiative. Mm-hmm. And basically all of the world governments that came together, they were like, we want a way for people to be able to get their banking data and transaction information without people having to share their bank IDs and passwords.

[00:18:02] You know, I'm, I'm sure you might've used some apps in the past where it's like they ask for your bank ID and password. Mm-hmm. Yeah. And they basically scrap uncomfortable. Exactly. They scrape the information from your banking app, essentially, and, but, which is good if the app is all like, fine and the security's fine, but if that gets hacked and your bank ID and password gets leaked, then people could potentially get access to your money.

[00:18:25] Whereas we use open banking, which is, it's government regulated. It's. A way for apps to securely connect. You don't have to share your bank ID or password, and you can manage the settings and like the permissions in your banking app itself. So if you wanna stop sharing permission, you can cancel it from your banking app or within biller as well.

[00:18:44] You can disconnect or stop sharing details. So yeah, that's one of the things that was really important to us.

[00:18:50] Molly: Yeah, and I love that you've got that up CSV upload 'cause so many people don't feel comfortable connecting their bank account. So you guys have thought of that as well, which is just so good.

[00:19:00] Okay, so then, sorry, going back to the budgeting app. So we've uploaded all our CV CSVs files, um, or we've connected our bank accounts. It's shown us where our money is going. And then so then it's just a matter of checking in at that month and making sure that you are not overspending in certain categories.

[00:19:20] Queenie: Yeah. Yeah. Basically it's just a matter of going in, seeing where you're spending money, and then see if there are any improvements that you would like to make in your budget. I also like to use forecasting a bit as well, so based on how I'm spending, what will the future look like in 12 months, one year?

[00:19:37] Yeah, and that can really help you project like, oh, is this where I want to be going, or should I make some changes?

[00:19:43] Molly: Yeah, and I love in there as well, you said like money for investments, money for your wedding. So you are actually putting that money aside 'cause so many people save what's left over once they're finished budgeting and generally there'll be nothing left to save.

[00:19:58] Oh yeah. So the fact that that's built in is great. Is that, yeah. Paying yourself first and let's just chat pricing. Is this a free tool or is there a paid version? How does it work?

[00:20:08] Queenie: Yeah, of course. So we have a 14 day free trial. So it's free to use, and if you don't like it, you can cancel and you won't get charged.

[00:20:17] Basically, you can cancel any time within that 14 day period, and you can still use it for the full 14 days to see if it's something that you like. After that, we do have a fee of. $6 50. And this is basically to connect to your bank accounts. 'cause there is a fee to actually like connect to different bank accounts, to use the tools that we do.

[00:20:37] We also have designers, developers, people making improvements to the tool all the time that we need to pay. So yeah, it's all built in the

[00:20:44] Molly: product. Fantastic. And what do you think the biggest surprise people find after using veru?

[00:20:51] Queenie: Ooh, the biggest surprise. Actually, let me have a look and see the reviews because we have had some really amazing like reviews just of people using the tool, what they've been able to find,

[00:21:03] Molly: because I reckon people would be so unaware of the subscriptions they have and they just build up and build up.

[00:21:09] And when you've got it in an app and you're seeing what's coming out, you go, oh. Just fleet, what is that? Do I still need that? Yeah, probably not.

[00:21:16] Queenie: Exactly. Exactly. So we have one review from Adele and she says she can easily identify variances in budget by using dollars as well as percentage. She loves using the month by month comparison to identify where she's indulged or where she's made headway and oh, I think, yeah, this is very true.

[00:21:36] Any major purchases. Stand out significantly. But most importantly, I can drill down into the category I've overspent and immediately see the transaction history. So I think that's a good one. So for example, some months you might spend a lot, lot of money in one category. For example, we bought solar, which was like a $5,000 expense.

[00:21:55] Yeah. And it really stands out in the budget. But you can drill down and you can see, oh, okay. That was that expense. And a lot of apps, you know, Adele says a lot of other apps overcomplicate things as they feel they need to develop and shift away. Yeah. Some of them

[00:22:10] Molly: are so confusing and you're like, I just wanna know where my money's going.

[00:22:14] Yeah. And it's like, you've gotta jump through five hoops. Yeah. And yeah, put in every detail of your life that's ever happened, so. Yeah. Yeah. Exactly. Oh my gosh. Well, I'm so excited to get using Bill Ru and I think like the biggest thing for people is. Just have a system like you need a system that you can stick to.

[00:22:34] And apps like Bill Ru, you know, furlough We Money, they're just giving you a system. They're making it so much easier. So you've gotta find the one that you like and then do those regular check-ins. And if you're doing it with a partner, get them to do the check-in with you, like, you know, make that money date if it's at once.

[00:22:53] A month or even like, you know, maybe you're wanting to do it weekly, just to start off with Yeah. Just have some kind of system in place and that's gonna really help.

[00:23:02] Queenie: Exactly. I completely agree. And it doesn't have to take too long, and I actually do find, just spending even like 10 minutes, 15 minutes, just looking at it, maybe doing a bit of work to make sure that the budget looks exactly the way that you want it to.

[00:23:17] Yeah. It makes you feel good about yourself, like you've done something for your future, you know? Yeah.

[00:23:22] Molly: Love it. Awesome. Well, Queenie, so much is happening for you. It's so exciting. You've got the book coming out. We're gonna put links in the show notes, and then we're also putting links in the show notes to BillRoo.

[00:23:33] Guys, try that 14 day free trial. It's a really great tool. There's been a lot of thought been put into it, and you're gonna be amazed at how simple it is to use.

[00:23:43] Queenie: Oh, thank you so much, Molly. I really appreciate everything that you're doing. You're honestly killing it.

[00:23:49] Molly: Oh, right. Back at you. Thanks so much for coming on the podcast, Queenie.

[00:23:52] Thank you so much.

KEYWORDS

 personal finance, budgeting, financial literacy, money management, investing, budgeting apps, financial goals, fun finance, financial security, financial education