Most people don’t “fail at budgeting” because they’re lazy. They fail because the way they budget is broken. They guess their numbers, copy some template they saw online, set unrealistic goals, and then wonder why nothing changes after a month…

Most people fail at budgeting because they jump straight into templates, apps, or complicated rules. If you’ve never budgeted before, you don’t need any of that. You need a simple system that shows where your money actually goes and gives…