Are you living paycheck to paycheck? Here’s what I’d do to take control of my money and break the cycle: 1. Track every expense using a budgeting tool or my free budgeting sheet. 2. Level up your savings by setting aside at least 10-20% of your paycheck. 3. Use a high-yield savings account earning at least 3-5% interest. 4. Pay off credit cards with the avalanche method and track progress. 5. Open a Roth IRA and start investing with a simple 4-step strategy. Want this checklist? Tag your friend