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Most people think retirement planning starts with investments, Social Security, or withdrawal strategies.

But there’s a quieter, often ignored first step that sets the foundation: knowing how you spend money today.

Budgeting doesn’t sound exciting. I get it. It’s right up there with flossing and sorting your junk drawer. But tracking your spending can change everything.

It brings awareness. And that awareness helps you make smarter choices—not just now, but when every dollar counts in retirement.

Try this: For 30 days, write down every purchase and how it made you feel. That’s it.

This tiny habit can help you build a spending plan for retirement that actually reflects your values—not just your bills.