When advised to budget, most people respond: “But I just don’t have enough money.” In fact, most of these individuals have a lot more money than they think; they just lack control of it. Making more money is not the answer. The sad truth is that if you’re out of control, no matter how much money you earn, you can figure out a way to spend it. … Bad budgetary habits, when applied to twice as much money, simply create twice as much havoc.
— Tod Barnhart, The Five Rituals of Wealth