75 Hard Personal Finance (Temp RDH) Week 1: Track Every Dollar, No-Impulse Spending & Real Progress

Описание: Welcome to Week 1 of my 75 Hard Personal Finance challenge - temp dental hygienist version.
Last week’s video was the intro — this one is the first real check-in.

Here’s what I cover in this video:
• My six rules for this challenge
• How I handled tracking every dollar
• What counted as “impulse spending”… and what didn’t
• Where I slipped, where I saved, and the things I absolutely justified 🙈
• My $50-a-day transfers, planned vs. unplanned spending, and the Panera temptations
• What I learned from my daily money education
• What I’m focusing on next week (including actually using YNAB the proper way)

I also talk through some bigger-picture things like:
— moving savings out of my main account so I stop “seeing it”
— automating transfers with Capital One and Fidelity
— figuring out my investing system
— whether a Solo 401k makes sense for me later on

If you’re doing your own version of this, or thinking about it, let me know how your first week would’ve gone.
See you next week for the vlog-style version.

✨ Watch next:    • Realistic Week in the Life of a New Dental...  

📍 Minneapolis, MN
🦷 New grad RDH
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🗣️WHO AM I:
I’m Tina, a 37-year-old recent dental hygiene graduate based in Minnesota. After dropping out of college in my 20s, I went back in my 30s to earn my RDH degree and start a new career. I make videos about becoming a dental hygienist later in life, navigating money after graduation, and temping as a dental hygienist.

I'm documenting the real transition from school to paycheck—budgeting, working, and everything in between.

🦷 RDH program start: 8/2023
🦷 RDH program grad: 5/2025

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