So you say you're having trouble budgeting? You spend every dollar you make? Maybe even more than you make? Would you be willing to try a budgeting system that not only allows but also expects you to spend every penny? It's called zero based budgeting, a simple plan that guarantees you spend every penny every month, but in a productive way that helps you get control of your finances. Today on MoneyWise Rob West and Steve Moore talk us through it. Next, they answer your questions at (800) 525-7000 and [email protected] about the following: -My brother is disabled and gets Social Security income. We spend all of that on his housing and food. What should we do? -I'm trying to figure out a formula to know how much to save for retirement. -We have credit cards that we don't use anymore. Is there a process we should follow when we cancel them? -I've been at my current employer for 9 years. They offer a traditional 401k and a Roth 401k. When is it smart to roll the traditional 401k into the Roth? -A caller wanted to let listeners know about a site through which you could shop and have a portion of what you spend go to the charities of your choice. The site is called "Shop and Support." Rob followed up by mentioning the "Amazon Smile" program which offers similar benefits. Be sure to check out our new website at moneywise.org to connect with a MoneyWise Coach or access our books, videos, or any of our free helpful resources. You can also find us on Facebook. Thanks for your prayerful and financial support that helps keep MoneyWise on the air. And if you'd like to help, just go to the website and click the Donate tab at the top of the page.