PAY YOURSELF FIRST Copy Right: Our Rich Journey

This document is a copywritten product of Our Rich Journey and may only be used for personal
use. This product cannot be used for sale or commerical purposes without the expressed written
(ULTIMATE FINANCIAL INDEPENDENCE BUDGET) consent of Our Rich Journey.

INCOME
MONTHLY ANNUALLY
TAKE HOME PAY (COUPLE) $8,333 $100,000
RENTAL INCOME $500 $6,000
SIDE HUSTLES (FB MARKETPLACE, AIRBNB, ETC) $1,000 $12,000
PASSIVE INCOME (DIVIDENDS, DIGITAL, ETC) $700 $8,400
TOTAL INCOME $10,533 $126,400

EXPENSES
PAY YOURSELF FIRST (PYF) - Savings & Investing MONTHLY ANNUALLY
EMERGENCY FUND $100 $1,200
SHORT TERM SAVINGS $200 $2,400
RETIREMENT CONTRIBUTIONS (PRE-TAX/401K) $3,167 $38,000
HEALTH SAVINGS ACCOUNT (PRE-TAX) $583 $7,000
RETIREMENT CONTRIB. (POST-TAX/ROTH IRA) $1,000 $12,000
BROKERAGE ACCOUNTS (STOCKS, BONDS, & CDS) $1,400 $16,800
TOTAL PYF $6,450 $77,400 61% Saving Rate is Total PYF divded by Income. Mutliply by 100
HOUSEHOLD MONTHLY ANNUALLY
RENT/MORTGAGE $1,500 $18,000 Summary Data (Totals)
INSURANCE (RENT/HOMEOWNERS) $15 $180 Catagory Expense ($) Expense (%)
MAINTENANCE $100 $1,200 1 PAY YOURSELF FIRST (PYF)$6,450
- Savings & Investing
61.25%
CABLE/INTERNET $50 $600 2 HOUSEHOLD $2,005 19.04%
CELL PHONE $40 $480 3 FOOD $890 8.45%
UTILITIES $300 $3,600 4 TRANSPORTATION $395 3.75%
TOTAL HOUSEHOLD $2,005 $24,060 5 PERSONAL CARE $350 3.32%
FOOD MONTHLY ANNUALLY 6 ENTERTAINMENT & TRAVEL$241
(VACATIONS) 2.29%
GROCERIES $500 $6,000 7 TOTAL DEBT $200.0 1.90%
EATING OUT - BREAKFAST $100 $1,200 TOTAL $10,531 100.00%
EATING OUT - LUNCH $100 $1,200
EATING OUT - DINNER $150 $1,800
LATTE FUND $20 $240
HAPPY HOUR $20 $240
TOTAL FOOD $890 $10,680
TRANSPORTATION MONTHLY ANNUALLY
CAR INSURANCE $75 $900
GAS $50 $600
MAINTENANCE $60 $720
PARKING/TOLLS/TICKETS $30 $360
VEHICLE REGISTRATION/ROAD TAX $30 $360
PUBLIC TRANSIT $50 $600
USED CAR FUND $100 $1,200
TOTAL TRANSPORTATION $395 $4,740
PERSONAL CARE MONTHLY ANNUALLY
HAIRCUT $30 $360
SALON $40 $480
ADULTS CLOTHES $50 $600
KIDS CLOTHES $60 $720
GYM MEMBERSHIPS $20 $240
KIDS SPORTS & SCHOOL SUPPLIES $100 $1,200
GIFTS (BABY SHOWERS, B-DAYS, FAREWELLS) $50 $600
TOTAL PERSONAL CARE $350 $4,200
ENTERTAINMENT & TRAVEL (VACATIONS) MONTHLY ANNUALLY
TRAVEL HACKING TAXES $30 $360
AIRBNB STAYS $50 $600
THEME PARKS $50 $600
THEATRE $20 $240
PRO-BASKETBALL GAME $25 $300
MISC FAMILY ACTIVITY $40 $480
SPOTIFY $15 $180
NETFLIX/MOVIES $11 $132
TOTAL ENT & TRAVEL $241 $2,892
DEBT MONTHLY ANNUALLY
STUDENT LOANS $150.0 $1,800.0
CREDIT CARD $50.0 $600.0
TOTAL DEBT $200.0 $2,400.0

INCOME vs EXPENSES
TOTAL INCOME $10,533 $126,400
TOTAL EXPENSES $10,531 $126,372
DOLLARS NEEDING A JOB $2 $28

NOTES:
1 Contact the creators of this budegt at: contactus@ourrichjourney.com or visit www.ourrichjourney.com
2 Continue to contribute to your emegerncy fund every month to keep up with inflation
Copy Right: Our Rich Journey This document is a copywritten product of Our Rich Journey and may only be used for personal use. This product
cannot be used for sale or commerical purposes without the expressed written consent of Our Rich Journey.

PAY YOURSELF FIRST - ACTUAL SPENDING

(ULTIMATE FINANCIAL INDEPENDENCE BUDGET)
INCOME
MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
TAKE HOME PAY (COUPLE) $8,333 $1 $1
RENTAL INCOME $500 $1 $1
SIDE HUSTLES (AIRBNB) $1,000 $1 $1
PASSIVE INCOME (DIVIDENDS, ETSY, ETC) $700 $1 $1
TOTAL INCOME $10,533 $4 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $4

EXPENSES
PAY YOURSELF FIRST (PYF) - Savings & Investing MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
EMERGENCY FUND $100 $1 $1
SHORT TERM SAVINGS $200 $1 $1
RETIREMENT CONTRIBUTIONS (PRE-TAX/401K) $3,167 $1 $1
HEALTH SAVINGS ACCOUNT (PRE-TAX) $583 $1 $1
RETIREMENT CONTRIB. (POST-TAX/ROTH IRA) $1,000 $1 $1
BROKERAGE ACCOUNTS (STOCKS, BONDS, & CDS) $1,400 $1 $1
TOTAL PYF $6,450 $6 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $6 150% Saving Rate is Total PYF divded by Income. Mutliply by 100
HOUSEHOLD MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
RENT/MORTGAGE $1,500 $1 $1 Summary Data (Totals)
INSURANCE (RENT/HOMEOWNERS) $15 $1 $1 Catagory Expense ($) Expense (%)
MAINTENANCE $100 $1 $1 1 PAY YOURSELF FIRST (PYF) - Savings
$6 & Investing
14.63%
CABLE/INTERNET $50 $1 $1 2 HOUSEHOLD $6 14.63%
CELL PHONE $40 $1 $1 3 FOOD $6 14.63%
UTILITIES $300 $1 $1 4 TRANSPORTATION $7 17.07%
TOTAL HOUSEHOLD $2,005 $6 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $6 5 PERSONAL CARE $7 17.07%
FOOD MONTHLY GOAL January February March April May June July August September October November December ANNUALLY 6 ENTERTAINMENT & TRAVEL (VACATIONS)
$8 19.51%
GROCERIES $500 $1 $1 7 TOTAL DEBT $1.0 2.44%
EATING OUT - BREAKFAST $100 $1 $1 TOTAL $41 100.00%
EATING OUT - LUNCH $100 $1 $1
EATING OUT - DINNER $100 $1 $1
LATTE FUND $20 $1 $1
HAPPY HOUR $20 $1 $1
TOTAL FOOD $840 $6 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $6
TRANSPORTATION MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
CAR INSURANCE $75 $1 $1
GAS $50 $1 $1
MAINTENANCE $60 $1 $1
PARKING/TOLLS/TICKETS $30 $1 $1
VEHICLE REGISTRATION/ROAD TAX $30 $1 $1
PUBLIC TRANSIT $50 $1 $1
USED CAR FUND $90 $1 $1
TOTAL TRANSPORTATION $385 $7 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $7
PERSONAL CARE MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
HAIRCUT $30 $1 $1
SALON $40 $1 $1
ADULTS CLOTHES $50 $1 $1
KIDS CLOTHES $60 $1 $1
GYM MEMBERSHIPS $20 $1 $1
KIDS SPORTS & SCHOOL SUPPLIES $75 $1 $1
GIFTS (BABY SHOWERS, B-DAYS, FAREWELLS) $50 $1 $1
TOTAL PERSONAL CARE $325 $7 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $7
ENTERTAINMENT & TRAVEL (VACATIONS) MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
TRAVEL HACKING TAXES $30 $1 $1
AIRBNB STAYS $50 $1 $1
THEME PARKS $50 $1 $1
THEATRE $20 $1 $1
PRO-BASKETBALL GAME $25 $1 $1
MISC FAMILY ACTIVITY $40 $1 $1
SPOTIFY $15 $1 $1
NETFLIX/MOVIES $11 $1 $1
TOTAL ENT & TRAVEL $241 $8 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $8
DEBT MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
Student Loans $150.0 $1.0 $1.0
Credit Cards $100.0 $1.0 $1.0
TOTAL DEBT $250.0 $2.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $0.0 $1.0

INCOME vs EXPENSES
MONTHLY GOAL January February March April May June July August September October November December ANNUALLY
TOTAL INCOME $10,533 $4 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $4
TOTAL EXPENSES $10,496 $42 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $42
DOLLARS NEEDING A JOB $37 -$38 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 -$38

NOTES:
1 Contact the creators of this budegt at: contactus@ourrichjourney.com or visit www.ourrichjourney.com
2 Continue to contribute to your emegerncy fund every month to keep up with inflation
 6.53% DIVIDEND INCOME
Note: Invested amount includes
re-invested dividends
^Current Yield^ (HIGH YIELDING STOCK PORTFOLIO)

$4,474.32 $1,455
^$ Gain/Loss^ ^Project Annual Income^

40.55% $26
^% Gain/Loss^ ^Actual Income YTD^
AVG Total %
Price Total Current Total $ Gain Gain Or Dividend Yield Income Portfolio
# Name Symbol Shares Price Paid Invested Value Or Loss Loss /Share (Yr) (Yr) %

1 AT&T Inc. T 37 $35.26 $29.70 $1,098.90 $1,304.62 ($ 205.72) 18.72% $2.56 7.25% $94.58 8.41%
2 Facebook, Inc. Common Stock FB 9 $185.67 $120.26 $1,082.34 $1,671.03 ($ 588.69) 54.39% $0.00 0.00% $0.00 10.78%
3 AT&T Inc. T 13 $35.26 $86.40 $1,123.20 $1,175.40 ($ 52.20) 4.65% $2.56 7.25% $33.23 7.58%
4 AT&T Inc. T 32 $35.26 $33.97 $1,087.04 $1,128.32 ($ 41.28) 3.80% $2.56 7.25% $81.80 7.28%
5 AT&T Inc. T 137 $35.26 $8.61 $1,179.57 $4,830.62 ($ 3,651.05) 309.52% $2.56 7.25% $350.22 31.15%
6 AT&T Inc. T 32 $35.26 $33.96 $1,086.72 $1,128.32 ($ 41.60) 3.83% $2.56 7.25% $81.80 7.28%
7 AT&T Inc. T 65 $35.26 $16.88 $1,097.20 $1,062.42 ($ (34.78) -3.17% $2.56 7.25% $166.16 6.85%
8 AT&T Inc. T 62 $35.26 $17.79 $1,102.98 $1,119.41 ($ 16.43) 1.49% $2.56 7.25% $158.49 7.22%
9 AT&T Inc. T 162 $35.26 $6.72 $1,088.64 $1,065.15 ($ (23.49) -2.16% $2.56 7.25% $414.13 6.87%
10 AT&T Inc. T 29 $35.26 $37.48 $1,086.92 $1,022.54 ($ (64.38) -5.92% $2.56 7.25% $74.13 6.59%

$11,034 $15,508 ($ 4,474.32) 40.55% 6.53% $1,454.56 100.00%

Contact the creators of this budegt at: contactus@ourrichjourney.com or visit www.ourrichjourney.com
Copy Right: Our Rich Journey This document is a copywritten product of Our Rich Journey and may only be used for personal use. This product
cannot be used for sale or commerical purposes without the expressed written consent of Our Rich Journey.

Notes.
1. Yield (Yr) is manually added. Comes from Yahoo Cash Deposits (Not Re-
finance. Dividend Payments (Re-Invested) Invested Dividends)
Stock Date Amount Date Amount
2. Join Robinhood and we'll (YOU & us) both get a
stock like Apple, Ford, or Sprint for free. Make sure you MAIN 12/27/2018 $7.43 12/10/2019 $10,088.00
use our link: IRM 1/2/2019 $18.33 1/8/2019 $833.00
http://share.robinhood.com/amonb

Total $25.76 Total $10,921.00