rich & REGULAR with Kiersten and Julien Saunders Ep 229: The only budgeting advice that matters
Sep 22, 2025
Rigid budgeting fails because it doesn't account for life’s unpredictability. The hosts discuss shifting from strict rules to adaptable 'richuals,' allowing for more flexible financial habits. They highlight the importance of managing cash flow like a business while preparing for seasonal spending. Tips include recognizing that one-size-fits-all formulas often lead to frustration, and that skills can be leveraged for savings. Embracing diverse financial tools helps you adapt to life's changes, promoting a real-time approach to financial management.
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Budgets Should Be Flexible Tools
- Most budgeting advice assumes static income, expenses, and goals which rarely match real life.
- Treat budgets as adjustable tools, not permanent cages.
Plan For Seasonal Spending
- Identify seasonal spending patterns and plan for them instead of forcing each month to look identical.
- Prepare for high-cost months so spikes become predictable, not emergencies.
Use Cash Flow, Not Just Monthly Budgets
- Manage money like a business by tracking cash flow across quarters instead of only month-to-month.
- Use quarterly or annual views to match surplus months with shortfalls and find targeted fixes.
