We have to be intentional with the way we manage money if we are going to end ahead and not behind this year. The average American spends $1.26 for every $1.00 earned. For every $50,000 that would be $63,000 spent. Thats a difference of $13,000 dollars in the red. The average American is not behaving in such a way that will help s/he end the year as the head. The good news is it doesn't have to be this way. There's a better way. #wearetheGrove