Why Do 90% of Budgets Fail? I’ll say it—most budgets are set up to fail. It’s not because you’re lazy or “bad with money.” The whole system ignores the real you. You’ve sought out help, but what if the problem isn’t you? What if it is the system? I’ve seen it in my own life and in families I’ve worked with. We’re told to “just stick to the plan,” but nobody talks about the emotional landmines hiding under every dollar. I remember trying to budget. I had all the spreadsheets, but by month two, I was off track. Why? Because…
Author: Dr. Zac Talley
Why do people making $150,000 a year feel broke while their grandparents built dynasties on $30,000? Here’s the reality that most don’t understand: Your net worth has NOTHING to do with your actual worth! My field, Financial Psychology, calls this “Identity Confusion”—the dangerous belief that your self-worth equals your net worth. It is a belief that traps 68% of Americans, according to recent data, and keeps us locked in a cycle of comparison and anxiety. This is not accidental; it is by design. The financial industry is one built on the exploitation of scarcity, fear, and insecurity. It profits when…