It’s extraordinary how many people think that a budget starts with needs.
“Here is what I need for each important purpose, here’s the total. That’s my budget!”
The idea that a budget starts with the total sum available, which is then allocated to specific needs, seems completely alien to people.
“But I need more for my needs!”
Well, I need it to start snowing immediately but it’s 90°F outside, and I’m dealing.

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