If you've tried budgeting and it never seems to stick, I want you to hear this: you are not the problem. That's not just something nice to say. That's behavioral economics. The actual science of how humans make financial decisions tells us that the way most people budget was never going to work in the first place. In this episode, I'm breaking down exactly why willpower is one of the worst tools you can use to manage your money, and what to build instead so your finances actually run without ...