Why most budgets fail

Let’s be honest — the word “budget” doesn’t exactly make people jump for joy.
Most of us hear it and think:

No wonder most budgets fail.

But here’s the truth 👇
A budget isn’t about saying “no.”
It’s about saying “yes” — on purpose.

✅ Step 1: Flip the script.
Think of your budget as a spending plan — a way to tell your money what you want it to do.

✅ Step 2: Start simple.
You don’t need a fancy app or 12 categories.
Just three:

✅ Step 3: Add freedom money.
Yes, actually budget for fun.
It keeps you sane and makes your plan sustainable.

This week’s challenge:

Sure, if you held your stocks since the dotcom bubble, you would’ve been up—eventually. But three years after the dot-com bust the S&P 500 was still far down from its peak. So, how else can you invest when almost every market is tied to stocks?

Lo and behold, billionaires have an alternative way to diversify: allocate to a physical asset class that outpaced the S&P by 15% from 1995 to 2025, with almost no correlation to equities. It’s part of a massive global market, long leveraged by the ultra-wealthy (Bezos, Gates, Rockefellers etc).

Contemporary and post-war art.

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_{Investing involves risk. Past performance not indicative of future returns. Reg A disclosures at masterworks.com/cd}