The budget culture
The budget culture is the damaging set of beliefs around money that rewards restriction and deprivation and promotes an unhealthy and fantastical ideal of financial success.
Budget culture sees measures like credit scores and debt as signifiers of financial health and prescribes spending restrictions as the first step to getting rich.
However, the problem is that budgeting doesn't work. Restriction and deprivation are unsustainable. Tracking spending is hard. Budgets don't account for the way lives work.
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