 Ramsey. Why refi is not licensed by the California Department of Financial Protection and Innovation. Why refi is not authorized by the New York State Department of Financial Services to service any New York loans. Funding may not be available in all states. Hey guys, Rachel Cruz here. You know, some people think budgeting means they can't have any fun with money. And I know this because that was me. But the truth is, budgeting doesn't limit your freedom. It actually gives you freedom. A budget is simply telling your money where to go. And the best way to do this is with EveryDollar, my favorite budgeting app.