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hello well wait another minute or two and then well go ahead and get started with this live stream i appreciate anyone joining in feel free to use the chat feature how do i sound can you hear me okay is the video quality all right feel free to just use the chat feature down below while were getting things set up here well wait another minute or two see if anyone else is going to join [Music] all right well it is now 12 oclock pacific time and so today i wanted to first of all welcome to the live stream i want to every saturday or every other saturday kind of be hopping on here to deliver just a little bit of personal finance knowledge from my own experience and education and background and hopefully i can share something that is beneficial to you and in that the spirit of that today were going to be talking about how to create a simple itemized budget and this is something i mean ive been working with budgeting for the past couple years to try and find a system that works for m