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I have a joke about H1Bs, but it is RFEd
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I have a joke about H1Bs, but it is RFEd
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For people with these problems I recommend Ramit Sethi. He has a bunch of podcasts and stuff on money, but his big thing is about your relationship with money.
He has a different style of budgeting, called a guilt free spending plan, and honestly it makes a ton of sense to me.
Pro
I've literally never budgeted in my life, not start now, all less fails I'll go retire in Argentina like a king on a few grand a month 😂
Pro
The ability to save and to live within your means takes a good amount of discipline. Lifestyle creeps and trying to keep up with the Jones is often the root cause. For those more disciplined, they can probably compartmentalize in their heads and be more rational when it comes to spending habits. For those less disciplined, a more rigid system is probably necessary.
I don’t have a system either. I know what I make, how much savings I have, what my financial goals are, and my lifestyle is in line with all of that.