The Situation

The 5 Ways
Budgets Break

Most budgets don't fail because people lack discipline. They fail because the budget itself is poorly designed: too rigid, too detailed, too divorced from real life, or built for the first week of the month instead of the whole year.

A budget that requires perfect behavior to function is not a budget. It's a wish list.

— Worthune Decision Framework

• Your budget assumes every month costs the same
• You track every category but miss the irregular ones
• You build the budget once and never update it