Episode 8: Why Zero-Based Budgeting Can Save Your Family’s Future

Explicit content warning

04/29/25 • 49 min

Giving All My Experience: Real Conversations on Marriage, Parenting & Growth

This episode explores why zero-based budgeting isn’t just about numbers. It’s about building trust in your marriage, breaking unhealthy money habits, and creating a financial legacy for your family.

We talk about the tough conversations couples need to have before deciding on a budget, how honest money management strengthened our relationship, and why teaching your kids about money now can change generations.

This isn’t just about tracking dollars but about healing, teamwork, and vision.

📢 Don’t forget to:

✔️ Follow us on Instagram: @GivingAllMyExperience | @common.dad
✔️ Tap in with us on TikTok: @GamePodcast
✔️ Subscribe on YouTube: Giving All My Experience
🎧 New episodes drop every Tuesday at 6 AM EST

Example Budget Below:

Let’s say you and your spouse bring in $4,000 for the month.

In a zero-based budget, you give EVERY dollar a job until you have $0 left unassigned.

It would look something like this:

Rent/Mortgage: $1,200

Utilities (electric, gas, water, Wi-Fi): $300

Car Payment & Insurance: $450

Groceries: $600

Gas/Transportation: $250

Tithes/Donations: $400

Emergency Fund Savings: $300

Debt Payments (credit card, student loan, etc.): $300

Fun Money (Date Nights, Small Treats): $100

Kids' Activities/Needs: $100

✅ Total Spent/Saved = $4,000
✅ Leftover = $0

This isn’t just about tracking dollars but about healing, teamwork, and vision.

📢 Don’t forget to:

Example Budget Below:

Let’s say you and your spouse bring in $4,000 for the month.

In a zero-based budget, you give EVERY dollar a job until you have $0 left unassigned.

It would look something like this:

Rent/Mortgage: $1,200

Utilities (electric, gas, water, Wi-Fi): $300

Car Payment & Insurance: $450

Groceries: $600

Gas/Transportation: $250

Tithes/Donations: $400

Emergency Fund Savings: $300

Debt Payments (credit card, student loan, etc.): $300

Fun Money (Date Nights, Small Treats): $100

Kids' Activities/Needs: $100

✅ Total Spent/Saved = $4,000
✅ Leftover = $0

Previous Episode

Episode 7: Grief, Growth & The Space In Between

“Sometimes the pause is the lesson.”

In this episode, we’re slowing things down and reflecting on what life has been teaching us. Over the past two weeks, we’ve had to face ourselves, be more present, and extend grace to each other in new ways.

💬 We talk about:
✅ What we’ve learned about ourselves & each other
✅ How the pause made us more present and patient
✅ What grace really looks like in a hard season

🎙 We also share:
💸 Why we’re going to start talking more about finances in future episodes
🧠 Chade’s new self-talk journey on Instagram
🤝 Our new partnership with Common Dad – empowering real fathers with real conversations

📢 Shoutout to Our New Partner: COMMON DAD

Follow them for honest, relatable dad content:
📸 Instagram: @Common.Dad
📘 Facebook: Common Dad

💬 Let’s talk:
Drop a 💜 in the comments if you’ve ever had to learn patience in a hard season.
💥 Share this episode with someone learning to slow down and show grace.

🎙 Follow & Connect with Us:
📸 Podcast: @GivingAllMyExperience
📲 Rashaad: @_Rashaad.WilliamsSr

📲 Chade: @Chadewilliams__
🎥 TikTok: @GamePodcast
🔗 YouTube: Giving All My Experience

Next Episode

Emergency Fund: Why Its important

Most people feel they can’t afford to save, but what if we told you that you can start with as little as $5/week and still build the foundation for financial peace?

In this episode of Giving All My Experience, we’re unpacking everything you need to know about creating an emergency fund—even if you feel you’re living paycheck to paycheck.

🧠 What You’ll Learn:

• What an emergency fund is—and why it’s not optional

• How to start saving on a tight budget

• Budgeting hacks: low-hanging fruit, side hustles, auto-transfers

• The best emergency fund goals for your stage of life

• How having a savings cushion improved our marriage and mindset

💬 Key Takeaway:

“You don’t need a lot of money to start—you just need to start with what you have.”

✅ Practical Action Step:

Challenge yourself to save $50 this month. Cut one expense. Start your peace fund.

📌 Follow the Journey:

Instagram: @GivingAllMyExperience