November 15, 2021

S2 Episode 8: Becoming A Plan Maker

We believe fiscal fitness is all about creating a plan for your money that you love, building the habits to work that plan, and then challenging yourself to set a goal and go after it.


If you think about an area of your life where having a plan helps - think of meal planning, fitness training schedule, macros - it gives you peace of mind. You know what you have to do. It makes decision-making easier and faster.


Enter the dreaded budget. Unfortunately “budgeting” as most of us know it is a flawed system. It assumes that payday is at the beginning of the month, all bills are paid immediately, and everything in life happens in a snapshot on that payday.


This type of budgeting doesn’t work, and it’s the reason most people think they’re just “not good with money.”


In reality, we know they just need a better system, one that helps them plan by paycheck for the things that come up in any given pay period, while still saving for the expenses that don’t show up in a monthly budget but definitely still show up. We call those the whammies. 


In this episode, financial coaches and fitness enthusiasts Kelsa Dickey and Jill Emanuel talk about different types of expenses, how to plan for them, how to save for what’s known, and even plan for the unknown. It’s the meat and potatoes (or chicken and cauliflower rice) of being a plan maker. 


If you're ready to ditch the dreaded, awful budgets you’re used to, join us at


To get insider info about the Fiscal Fitness Podcast, join our Podcast Launch Squad. If Instagram is your jam, make sure you follow Fiscal Fitness, Coach Kelsa, or Coach Jill.

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