In this episode the Knowbodies host a relaxed and insightful episode with special guest Joe Reinke, CFA. Joe, the creator of, shares some incredibly important tips on how to tackle a budget. As so many young (and more experienced…) professionals learn the value of a dollar and plan for the big and small things in life, the frugal details of what makes financial sense can sometimes get lost or overlooked. We hope all our listeners find financial freedom. Adopting a healthy budgeting mindset can help pave that journey, and that’s exactly what Joe emphasizes in this episode. To learn more about Joe, his tremendously useful and EASY website, and to view the show notes, simply keep on reading below. Enjoy!

If you have student loans, our first episode is a MUST listen: Standing Up to Student Loans

About Joe

Joseph Reinke is the CEO and founder of Fitbux, Inc.  FitBUX is introducing innovative finance products and technology to the student lending industry with a specific focus on physical therapist.  Joe has been in the finance industry for over a decade and is one of the few CFA Charterholders in the world who has experience in both wealth management and business valuation (globally, there are only 120,000 CFA Charterholders).  He has hosted numerous live chats about student loans with SPTs across the country, presented at the California Student Conclave, appeared on podcasts, and written numerous financial blogs.

Show Notes

  • Defining a budget and why we care
  • The importance of mindset and behavior change to leverage time and money
  • Quick tip to make a wedding cheaper
  • Budget Formula 1: Income – expense = Discretionary income
  • Budget Formula 2: Assets – debt = net worth. Take discretionary income and increase assists or decrease debt
  • Defining the MODIFIABLE factors: assets; discretionary income; human capital
  • The value of TIME is the MOST important budget component
  • Improving income is limitless, cutting expenses is limited
  • How to find out how much your time is worth
  • Leveraging human capital to optimize time
  • Book shout out to Benjamin Graham “Intelligent Investor”
  • Good habits make good health, a good mindset makes good money


To learn more about Joe and how Fitbux can help you, please visit the following sources:

Online @ and

Facebook @ fitbuxofficial

Twitter @ fitbuxofficial and @ fitptofficial

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