Most budgets fail because they only account for monthly expenses. Rachel explained that annual and seasonal costs are what actually create debt for a lot of households.

These expenses are predictable, even if they’re not frequent. When they aren’t planned for, they get financed instead. Sinking funds solve that problem by smoothing irregular costs over time and removing the need to rely on credit when they show up.

Better planning isn’t about restriction. It’s about removing surprise.

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If you want a system that actually accounts for real life, message me.