Previously, we discussed this savings waterfall. This is the approach we use to make sure our income finds its way to your long-term wealth-building. Today we are going to discuss expenses and potential obstacles keeping your income from making it to those long-term investments. We are going to discuss how to manage the “ sludge ” in your life! About the author: About the author: Jeff Hulett leads Personal Finance Reimagined, a decision-making and financial education pl