3.
“Not leaving proper cushion in a budget for things to go wrong.”
“Doesn’t even need to be for emergencies. My older brother once wrote out a laughably simple budget to justify that he could buy an expensive car.
High school version of me pointed out, ‘I guess I won’t be getting any birthday or Christmas presents from you going forward’, and suggested he try living within that budget for a year before buying the car (a concept he didn’t understand… Just not spending everything that came in).”
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