Emily, a Health and Wellness Director, and Maddie, a Medical Sales Rep and part-time Athletic Trainer, are newlyweds and just recently bought their first home – their dog George is settling in nicely! Emily and Maddie are hoping Project Money builds their financial knowledge and confidence as they begin their journey of starting a family. We crunched the numbers on refinancing—what we found might surprise you. Is waiting the smarter move... No more December panic—Maddie & Emily track gift ideas year-round, shop sales early, and enjoy stress-free holidays... Emily & Maddie chose a lower deductible plan to gain financial stability, prep for family, and reduce surprise medical costs... Prime Days win: Maddie & Emily saved 45% by buying essentials, not impulses. Smart spending = real value, not just cart thrills... Maddie and Emily discuss how paying yourself first—automating savings and repurposing unused expenses—makes saving effortless and impactful... Maddie and Emily explore refinancing not to spend more, but to save smarter—turning lower payments into long-term financial progress... Emily and Maddie shift retirement funds from market risk to a stable IRA certificate, choosing peace of mind and steady growth over uncertainty... Emily and Maddie shifted their all-or-nothing mindset, embraced DIY, and built a patio on a budget—proving smart saving doesn’t mean losing progress... Emily and Maddie share how eating at home and saving “non-spent” money is helping them hit financial goals. A small mindset shift, big results...