Dear Reader, It took me about eight months to learn how to budget. As a second-gen wealth builder married to a first-gen wealth builder with two children and single mother's who needed help financially, there was always something coming up. And at the time, we didn't have the skill of saving and didn't understand sinking funds at all. So I would create a budget based on what I thought was supposed to happen that month. Then life would happen. An expense I hadn't anticipated would appear, the...