Game Time Budgeting

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Game Time Budgeting Helping you develop the proper financial MINDSET, BEHAVIORS, and SYSTEMS so you can save more, reduce debt, and hopefully improve your quality of life.

Our approach is simple. We listen to understand your needs, and together we make a realistic plan to ensure your goals are achieved. By making decisions a little bit differently on a day-to-day basis, clients of Game Time Budgeting are able to save more money, spend wisely, have more, and and create the financial future they desire. We offer:
• Game On (online financial fitness course available 24/7)
• Employee Financial Wellness Programs (Game On, webinars, breakouts, keynotes)
• Private Financial Fitness Coaching (online)
• Educational Resources: The Uncommon Millionaire, The Uncommon Millionaire's Guide to Financial Fitness, Money $mart Teens

Remember, everyone wasn't taught about personal financial growing up so there's nothing to be ashamed of by having a coach. A phone call is an easy first step - 513-813-3275. We are excited to talk with you. Visit our website at: https://www.GameTimeBudgeting.com

Remember when you were learning to tie your shoes? You kept trying until you got it right. You practiced, made mistakes,...
10/20/2026

Remember when you were learning to tie your shoes? You kept trying until you got it right. You practiced, made mistakes, and tried again until you figured it out.

What could happen if you put that same persistence into learning how to make your money behave?

Imagine the possibilities:

🛟 Building an emergency fund so unexpected expenses don't become financial emergencies.

💳 Eliminating credit card debt by developing a plan and sticking with it.

🏦 Saving more money by consistently setting something aside.

📈 Increasing your retirement contributions to prepare for the future.

💰 Building wealth through intentional spending and consistent investing.

🌴 Taking longer vacations without sabotaging your financial goals.

👨‍👩‍👧‍👦 Leaving a larger inheritance for your children and future generations.

You didn't learn to tie your shoes in one attempt. Improving your finances takes practice, patience, and persistence, too. Mistakes will happen, but they don't have to stop your progress.

You didn't quit learning to tie your shoes. Why quit learning to make your money behave?

Long before I earned my first dollar, I was already learning about money.Not through a textbook. Not in a classroom. Thr...
10/13/2026

Long before I earned my first dollar, I was already learning about money.

Not through a textbook. Not in a classroom. Through the people around me and the things I observed growing up.

Whether we realize it or not, our families can influence how we think about spending, saving, debt, and wealth. Some of those lessons serve us well. Others may follow us into adulthood without us ever questioning them.

That's one of the reasons I wrote my latest article for the Minnesota Spokesman-Recorder about the Money Genogram, a tool for exploring the financial beliefs and behaviors passed down through generations.

Understanding where our money beliefs come from can help us decide which ones to keep, which ones to challenge, and what lessons we want to pass on to the next generation.

Our financial past may help explain our present, but it doesn't have to determine our future.

📖 Read the article: https://lnkd.in/gTAQHm9P

What money lessons did you learn from your family growing up?
Gametimebudgeting.com

Let's talk about three things that impact your financial fitness!📈 SOL = Standard of Living🛒 COL = Cost of Living💵 WOL =...
10/12/2026

Let's talk about three things that impact your financial fitness!

📈 SOL = Standard of Living
🛒 COL = Cost of Living
💵 WOL = Wage of Living

Here's the math:

COL > WOL = Your expenses are outpacing your wages.

COL = WOL = You're paying the bills, but are you building wealth?

WOL > COL = You have an opportunity to save more, eliminate debt, and invest in your future.

And here's the kicker: getting a raise doesn't automatically mean you're getting ahead. If your expenses and debt payments eat up the increase, your financial situation may not improve much at all.

A recent report from The Century Foundation found that 52 cents of every dollar in real take-home income gains went toward increased debt payments for a typical single-earner household in its analysis. Read the report: https://tcf.org/content/report/half-of-every-dollar-how-household-debt-eats-into-workers-income-gains/

The goal isn't just to earn more. It's to make your money behave!

So, how does your WOL compare to your COL? 👀
https://gametimebudgeting.com

Financial wellness is an important part of building stronger families and communities.Game Time Budgeting was proud to p...
10/09/2026

Financial wellness is an important part of building stronger families and communities.

Game Time Budgeting was proud to partner with the North Carolina Community Action Association’s D.I.A.P.E.R. Project to deliver five financial literacy workshops across Eastern North Carolina.

Our goal was to equip families with practical strategies to manage money on a tight budget, prepare for unexpected expenses, and make more intentional financial decisions.

A special thank-you to NCCAA and the five participating agencies for making financial education part of their efforts to support families. We're grateful for the opportunity to help participants strengthen their financial knowledge and build a foundation for greater financial stability.

At Game Time Budgeting, we believe everyone deserves access to practical financial education and tools to improve their financial well-being.

Let's help more people make their money behave!

To your financial fitness!

What can happen when you become more intentional with your money? A LOT.I’ve been coaching a couple on their financial w...
10/08/2026

What can happen when you become more intentional with your money? A LOT.

I’ve been coaching a couple on their financial wellness journey since September 2, and their first month was pretty impressive:

💰 $3,600 in credit card debt paid off
🏆 3 of 4 credit cards paid off
🚫 Unnecessary subscriptions eliminated
💡 Better decisions with the money they already had

And here’s the part I really love...

Neither person had to get a second job.
Neither had to drastically cut their living expenses.

They simply became more intentional about their financial decisions.

We also built a system that reflects their values and helps them turn those better decisions into consistent behaviors.

This is a great example of what I believe about financial wellness:

Change your MINDSET.
⬇️
Change your BEHAVIORS.
⬇️
Build the right SYSTEMS.
⬇️
Get better RESULTS.

Their result?

$3,600 less debt in one month.
3 credit cards gone.

Sometimes financial progress isn't about making more money.

Sometimes it's about making your money behave differently.

If you’re interested in learning more about Game Time Budgeting’s Private Financial Wellness Coaching, you can start here:

👉 Private Financial Wellness Coaching Questionnaire – https://forms.cloud.microsoft/r/aKhZHUH1Xk

To your financial fitness!

September is officially in the books!The Riddick household finished the month $274 under budget.We were under budget in ...
09/30/2026

September is officially in the books!

The Riddick household finished the month $274 under budget.

We were under budget in several categories, while eating out and groceries came in a little higher than planned.

That's the reality of budgeting.

The goal isn't perfection. The goal is awareness, accountability and adjustment.

And now that we're entering Q4, it's time to start thinking about holiday spending.

🎯 Have you saved about 75% of your Christmas spending goal yet?
🎯 Have you planned for Thanksgiving and the other expenses that come with the holidays?

Don't wait until December to figure it out.

Budgets work when you work them.
https://gametimebudgeting.com

“Accumulate enough assets and your a$$ will be set.”Yep. That’s the advice.And before you say, “Al, you really said that...
09/25/2026

“Accumulate enough assets and your a$$ will be set.”

Yep. That’s the advice.

And before you say, “Al, you really said that?” 😂

Think about it.

In marketing, there’s a simple rule:

Speak in the language of your target market.

Sometimes people don’t need another fancy financial term. They need someone to explain what building wealth actually does for their life.

More assets can mean:

💰 More financial options
🛟 A bigger cushion when life happens
🏠 More freedom to make decisions
😌 Less financial stress
🎯 More control over your future

So, yeah...

Accumulate enough assets and your a$$ will be set.

The language may be colorful, but the financial principle is serious.

Build assets.
Reduce unnecessary debt.
Create liquidity.
Give your money a job.

Make your money behave.

To your financial fitness!

Life, like money, is full of highs and lows.I was out of town for 10 days doing five speaking engagements in five differ...
09/24/2026

Life, like money, is full of highs and lows.

I was out of town for 10 days doing five speaking engagements in five different cities.

While traveling, I found out I was being honored with an Economic Empowerment Award. 🏆

I came home feeling pretty good about things.

Then I opened my office door. 😳

This is what I saw.

My ceiling had collapsed because of water damage.

I couldn't do anything about the leak. That's the property owner's responsibility.

But I could gather my belongings and move them somewhere safe.

So that's what I did.

Less than 48 hours later, my wife told me about a Delta flash sale. We used some of our miles and booked a trip to Paris. 🇫🇷✈️

Our taxes were only $464.

Four things happened in a matter of days:

🏆 I won an award.
🎤 I completed five speaking engagements.
😳 My office ceiling collapsed.
🇫🇷 We booked a trip to Paris.

One of those four things was bad.

I could have spent a lot of time being frustrated about the ceiling.

But what would that have accomplished?

The leak wasn't something I could control.

What I could control was my response.

Personal finance works the same way.

Unexpected expenses happen. Life happens. Things don't always go according to plan.

Financial wellness isn't about making sure nothing ever goes wrong.

It's about having the resources, systems and mindset to deal with what happens when it does.

Sometimes you simply have to ask:

“What can I control right now?”

Then do that.

And keep moving.

To your financial fitness!

💰 What’s Your Wealth Per Year Lived?We’re all familiar with net worth. But I recently came up with a different way to th...
09/15/2026

💰 What’s Your Wealth Per Year Lived?
We’re all familiar with net worth. But I recently came up with a different way to think about wealth.

I call it Wealth Per Year Lived.

Here’s how it works:

I’m 51 years old. If my net worth is $1,000,000, I can divide my net worth by the number of years I’ve been alive.

$1,000,000 ÷ 51 = $19,608 per year lived.

Now, I’m not suggesting this is a scientific measure of financial success. It doesn’t account for inheritances, investment growth, life circumstances, or the many other factors that influence wealth.

But it does raise an interesting question:

What has your financial journey produced relative to the time you’ve been on this earth?

And perhaps an even more important one:

👉 Are you using the wealth you’ve accumulated to make the most of the life you have left?

Because building wealth is important. But so is enjoying the life that wealth is designed to support.

Just a little financial food for thought from Game Time Budgeting.

To your financial fitness! 🏆
https://gametimebudgeting.com

People often say, “It’s not black and white. There’s a lot of gray area.”When it comes to personal finance, I’m not sure...
09/08/2026

People often say, “It’s not black and white. There’s a lot of gray area.”

When it comes to personal finance, I’m not sure I agree.

There may be gray areas when it comes to financial decisions.

But when it comes to financial math, there really isn’t.

If you bring home $4,000 a month and spend $4,000 a month, the math may work today, but it leaves little room for tomorrow.

Why?

Because you haven't saved anything for the unexpected.

And if your house payment, car payment, student loans, credit cards, and other debt payments consume 50% or more of your take-home pay, you may be making it extremely difficult to afford the retirement lifestyle you hope to enjoy.

That doesn't make you a bad person.

It doesn't mean you’ve failed.

It simply means the math isn't working in your favor.

Personal finance isn't about making everyone follow the same formula. Life is too complicated for that.

But there are some financial realities we can't negotiate with:
Income - Expenses = Cash Flow

Cash Flow + Time + Discipline = Wealth-Building Potential

The sooner we stop trying to find the gray area in the math and start asking, “What can I change?”, the sooner we can change our financial trajectory.

At Game Time Budgeting, I believe financial wellness starts with four things:

MINDSET. BEHAVIOR. SYSTEMS. RESULTS.

Sometimes the most important financial conversation isn't about finding a better answer.

It's about being willing to accept the answer the math is already giving you.

Address

260 Northland Boulevard, Ste 300
Cincinnati, OH
45246

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