A Four-Quadrant Approach to Budgeting: Essentials, Savings, Goals, and Flexibility

Produced & Hosted by Amanda Leader

Co-Hosted by Cate Morris of Scout Financial Solutions

In this episode of "Masaska," Amanda Leader and Cate Morris of Scout Financial Solutions explore a culturally grounded approach to budgeting and financial wellness, drawing on Indigenous teachings. They discuss a four-quadrant budgeting model that helps listeners prioritize Essential Expenses, Short-term Savings, Long-term Goals, and Flexible Spending, emphasizing balance and intention.

Listeners will discover practical strategies to build an emergency fund, plan for large life goals, and manage finances with confidence. Introducing the concept of a "Financial Wellness Buffalo," they outline a six-part Indigenous-inspired plan covering budgeting, cash flow, credit and debt, savings, asset protection, and legacy planning. This plan weaves community care and resilience into each financial step, addressing historical impacts on Indigenous financial prosperity and the need for economic sovereignty.

In a welcoming, decolonized discussion of money, Amanda and Cate share tips for creating wills and thinking long-term to ease the burdens on loved ones. Through small, actionable steps and intentional choices, they invite listeners to reclaim financial empowerment rooted in shared responsibility and traditional values.