A:	and that was the envelope system. Where you go ahead and decide about how much based on what you did last month that you are going to spend,
ʌ WORD_BOUNDARY æ n d WORD_BOUNDARY ð æ t WORD_BOUNDARY w ʌ z ð ɪ WORD_BOUNDARY ɑ n v ə l oʊ p WORD_BOUNDARY s ɪ s t ə m WORD_BOUNDARY w ɛ ɹ WORD_BOUNDARY j uː WORD_BOUNDARY ɡ oʊ WORD_BOUNDARY ʌ h ɛ d WORD_BOUNDARY æ n d WORD_BOUNDARY d ɪ s aɪ d WORD_BOUNDARY ʌ b aʊ t WORD_BOUNDARY h aʊ WORD_BOUNDARY m ʌ t̠ʃ WORD_BOUNDARY b eɪ s t WORD_BOUNDARY ɔ n WORD_BOUNDARY w ʌ t WORD_BOUNDARY j uː WORD_BOUNDARY d ɪ d WORD_BOUNDARY l æ s t WORD_BOUNDARY m ʌ n θ WORD_BOUNDARY ð æ t WORD_BOUNDARY j uː WORD_BOUNDARY ɑ ɹ WORD_BOUNDARY ɡ oʊ ɪ ŋ WORD_BOUNDARY t ə WORD_BOUNDARY s p ɛ n d WORD_BOUNDARY