On this episode of Cash and Coffee, hosts Emma Watts and Kayla Tenboer-Sipes talk about a simple but powerful financial concept: margin. Margin is the gap between your income and your expenses, and the larger that gap is, the more financial freedom you have.

Emma shares a common frustration many people feel when looking at their monthly budget and wishing there was more money available. Kayla explains that creating margin is not always about earning more money right away. Sometimes the best place to start is by adjusting expenses.

In this episode, they discuss practical ways to create more room in your budget, including reviewing big-ticket expenses like housing and insurance, temporarily pausing retirement contributions during emergencies, cutting unused subscriptions, and making small spending adjustments across multiple categories.

They also talk about how those small changes can quickly add up and why cutting too much from one category can lead to budgeting burnout. Once expenses are optimized, increasing income through overtime or side gigs can help expand that margin even further.

Emma continues her journey of learning about personal finance while Kayla shares practical tips that listeners can apply in their own lives.

Watch now to learn how small changes can make a big difference in your financial future.

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Cash and Coffee | Creating Margin in a Budget