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UNSTUCK [MONEY]

Your Paycheck 💵 Is Fragile. Don’t Act Like It’s Not

Published 7 months ago • 1 min read

Hi! 👋🏽 👋🏽

Welcome to the UNSTUCK[MONEY] newsletter!

This month we're talking about protection. No, not THAT kind of protection. Your income is under attack and we've got the 411 on how to defend it like your life depends on it - because it kind of does.
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Real talk: if you lose your income, everything else in your financial life starts to fall apart. Your savings dry up. Your credit cards get maxed out. Your dreams—buying a house, starting a business, retiring before 70—get shelved indefinitely. The ability to earn money isn’t just important; it’s the oxygen of your financial life. And most people? They’re walking around without a mask, just hoping the air keeps flowing.
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That’s a dangerous game.
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Because here’s the truth: your income isn’t guaranteed. It’s vulnerable. It's exposed. And if you haven’t built in protection, then you're one accident, one layoff, one bad diagnosis, or one recession away from seeing your entire financial world implode.
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So if you’ve been obsessing over investment strategies or budgeting hacks while ignoring how to protect your income, you’re missing the damn point.
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We're unpacking all you need to know to bullet-proof your paycheck right here. So grab your
beverage 🍹of choice and let's get started.

Cheers,
​Kathy A. Gambrell
Founder, Urban Money Budgets

🏴‍☠️ Your Wallet vs. The Hospital—Who You Betting On?

Why Health Insurance is a necessity - not a nice-to-have.

💀 No Insurance, No Mercy on the Road

Driving without car insurance is like playing bumper cars with your savings account.
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🛡️ When Paychecks Stop

Why Disability Insurance Is the Unsung Hero of Adulting

⚰️ Die Rich, Leave Peace

How Life Insurance can give your loved ones financial peace - and make you a hero.

💩 The “Oh Sh*t!” Fund

Learn why you need an Emergency Fund, how much to save and how to get it started.

🧨 If You See It Coming and Still Go Broke, That’s on You

Vacations, car repairs, holidays—you knew they were coming. So plan like it with a Sinking Fund.

Urban Money Budgets Income Protection 💪🏽 Sheet

This bold one-pager shows you how to lock down your income, stack a safety net, and stay in control when chaos comes calling. Download it now.

A Little Bit About Me

I’m Kathy - a financial coach, journalist, information architect—and a mom who’s done playing nice when it comes to money. I built Urban Money Budgets with sharp tools, clear info, and street-smart strategies to help you take your power back—because broke isn’t who you are. It's what you're breaking free from.

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UNSTUCK [MONEY]

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Sick of boring 🥱 advice and broken systems? So are we. UNSTUCK [MONEY] is the no-apologies newsletter for people ready to break rules, smash debt, and take control of their cash—on their own terms. Subscribe if you're done playing small.

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