Unless you’re like Joe McAlpine, you probably dread budget season. For many of us, thinking strategically in terms of the upcoming year can be a definite stretching point. There are a lot of us out there who are just trying to make sure we have everything needed for the upcoming week. In today’s episode, Joe has broken down the major areas that each of us should consider when formulating an annual budget. Our hope is that this outline will help you determine your needs as you step into the future.