The 4 Budget Flaws That Steal $3,986 Every Month

Why your budget fails every month isn't about willpower — it's a design flaw. This video follows a real $4,200 paycheck that left just $214 before payday to expose 4 leaks: the planning fallacy, forgotten yearly bills, too many tiny categories, and a $380 'misc' gap. Using Federal Reserve data on the $400 emergency and research by Daniel Kahneman and Amos Tversky, it shows how to fix it with a simple 4-bucket buffer system.