You’re Not Bad with Money — Your Budget Is Just Broken

Why Most Budgets Fail (And How to Build One That Works for Real Life)

Most people don’t struggle with money because they’re bad at budgeting — they struggle because they’re using the wrong kind of budget. At Retire Ready, we teach a new approach: budgeting with intention, not restriction.

In this video, Renee Collins, CPA and Certified Financial Planner™, shares why traditional budgets often fail and introduces a better alternative: a values-based spending plan that reflects your needs — financial and emotional.

If your current budget leaves no room for joy, self-care, or connection, it’s time to rethink how you manage money. This video walks you through:

• Why budgeting doesn’t work for most people

• The emotional triggers that sabotage spending

• How to create a plan that aligns with your real priorities

📅 Book a 30 min complimentary strategy session with Renee