 Listen up, folks. Trying to solve your money problems without a rock-solid budget is like trying to climb Mount Everest in ice skates. It's just not going to work. And look, I get it, the self-doubt, the excuses. Hey, we've all been there. But here's the deal. You won't get anywhere with that kind of attitude. You're an adult now. It's time to take control of your money with a plan that actually freaking works. It's time to decide now.