If the word “budget” makes you want to take a nap (or hide your credit card under the mattress), you’re not alone.

For years, I tried the traditional method: track every latte, scrutinize every grocery receipt, and feel guilty about ordering pizza on Friday night. It never stuck. Why? Because traditional budgeting is designed for scarcity. It whispers, “You can’t afford that.”

Start with 10% for investments. If that feels impossible, start at 5% and increase by 1% each month.