MINDSET THERAPY™ on Instagram: "How to Escape the Paycheck-to-Paycheck Cycle 1. Build a Zero-Based Budget Write down all your income, then assign every dollar a purpose — bills, food, debt payments, savings — until your balance hits zero. 2. Trim 20–30% of Non-Essential Spending Pause unused subscriptions, cook instead of ordering in, and avoid impulse purchases. These small cuts save more than you think. 3. Create a Starter Emergency Fund Set aside $500–$1,000 in a separate account. This cushio

IRS releases list of 'dirty dozen' scams