Hey friends!
If you’ve been around a bit, you may be able to guess which exercise we’re talking about.
And no, it’s not cardio (though reviewing 90 days of spending might make your heart race a little).
We’re talking about the 90 Day Transaction Inventory—aka the 90DTI. It’s our favorite no-sweat, high-impact financial move to actually change your spending habits.
We showed you exactly how to do a 90DTI in our conversation with Emily as part of our Spending Intervention series. Head over to Youtube to see it in action!
🗂️ So what is a 90DTI?
It’s not fancy. It’s not an app. It’s just you, your last 90 days of spending, and an honest look at the data. You pull your transactions, sort them into categories, and find out where your money’s really been going.
It sounds simple—and it is—but it’s one of the most eye-opening things you can do for your financial life.
Here’s why it works:
1. You get clarity, not judgment. A 90DTI isn’t about shame. It’s about truth. Most of us think we know where our money goes until we sit down and see the full picture. This exercise makes your patterns obvious, so you can make real, intentional changes.
2. It helps your budget reflect your actual life. Once you know where your money goes, you can stop making budgets based on vibes and start setting realistic, sustainable spending plans. That’s what helps you actually stick to them.
If you’ve been meaning to “get it together” financially, this is your moment. Our Spending Intervention series on YouTube walks you through real strategies that work, including the 90DTI.
And once you’ve done the exercise? That’s the perfect time to build some smart systems around your new awareness.
For some of us, that looked like opening a high-yield savings account with CIT Bank— so the money we weren’t mindlessly spending could start growing.
No pressure, just a smarter way to save once you know what you can actually afford to save. **
We’ve seen this single exercise jumpstart debt payoff, boost savings, and calm financial stress. If you do nothing else this month, do the 90DTI.
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Byeee,
Misti
**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.
