The broader problem with budget culture

The emphasis of budget culture is on individual responsibility and insisting that you can ignore access and privilege in our world. It condemns and oppresses anyone who doesn't live up to the ideal.

• However, the system isn’t designed for upward mobility. Ramsey’s famous “Baby Steps” might start simple and practical but they quickly escalate into investing 15% of your income, paying off your mortgage early and building generational wealth.
• The budget culture has one secret to getting rich quickly: Aggressive investing. However, the only sure way to make money is to have money.