9. Step 4: Save and Invest
Now, look at the amended expenses for these categories:
When Henry plugs these new figures into his expense sheet, he notices something rather remarkable on the bottom (balance) line:
Henry's total monthly income: $2,165
Henry's total monthly expenses: $2,101
He’s no longer in the hole. The only major change he made was to get a roommate. With the financial help of a roommate, he also achieved a fourth financial goal—he moved into a better apartment.