If it feels like money is manageable one moment — and overwhelming the next — you’re not imagining it.

Many of the expenses that cause the most stress aren’t surprises. They’re irregular. They don’t happen every month, but they do happen every year — often all at once.

In this episode, we talk about why predictable expenses can still feel like emergencies, how clustered bills create pressure, and why timing — not spending — is often the real problem.

You’ll learn:

• What irregular expenses are and why they’re easy to overlook

• How stacking costs (like insurance, holidays, and travel) creates stress

• Why credit often feels like the only option when timing collapses

• What sinking funds actually are — and what they aren’t

• How sinking funds and emergency funds work together to reduce chaos

This episode isn’t about budgeting harder or being more disciplined.
It’s about giving your money a way to handle time — so predictable costs don’t all hit at once.