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Why Budgeting Never Gets Your Money Straight
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 reworking the same numbers every time real life shows up, running the whole operation on willpower until it…
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