https://churchandfamilylife.com/podcasts/6390cc89fad8bafe3a9ec787
At about the twelve minute mark we come to:
5. Be on a Budget
Budgets are very helpful, but contrary to the narrative being
provided, there are people who spend years trying to get that money set aside
for tires or whatever and can never get there. Life keeps happening and because
the margins are too tight, they can't meet those goals. Others have volatile
incomes – shift workers whose hours change every week, or those who are
self-employed. A sickness can throw everything off and then while you're trying
to get it back on track – a car repair comes up that you can't pay for.
Sometimes it can take months to get back on track, but by then something else
has likely happened. These people are not necessarily doing anything wrong –
they're simply struggling.