About this episode

This episode discusses the limitations of budgeting as a financial tool and emphasizes the need for actionable steps beyond just planning.

Everyone hands you a budget like it's the whole answer to getting your money straight. Make the spreadsheet, assign every dollar, stick to it. So you do, and a few weeks in, it falls apart, because a budget was only ever going to get you part of the way there. A budget is a planning tool, and a good one. But planning is the easy half. A budget will happily tell you where every dollar should go and then leave you completely on your own to actually make it happen, which is how you end up rework...

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