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Most people think they have a “budgeting problem.” In reality, they have a system problem. If your budgeting strategy is just trying to survive until payday—tracking every tiny expense, feeling guilty about spending, and constantly “cutting back”—you’re not building wealth. You’re doing financial triage. And in 2026, that mindset will keep you stuck, because prices are high, surprise expenses are everywhere, and one bad week can wipe out months of progress. In this video, Sam breaks down why “poor-person budgeting” fails and what to do instead. You’ll learn how wealthy people actually manage money: not through perfect willpower, but through simple systems that create margin, protect it, and multiply it. We’ll cover the three-account setup that makes overspending harder, how to automate your money so you build wealth even on busy or stressful weeks, and why focusing on big levers (income, housing, transportation, debt) beats obsessing over small purchases like coffee. You’ll also get a step-by-step blueprint you can apply immediately: how to set a baseline budget that prioritizes stability, how to build your first financial buffer, how to eliminate high-interest debt without burning out, and the smartest order to invest once your foundation is solid. If you’re tired of being disciplined but not seeing results, this is your reset. Stop playing defense with your money and start running a system that makes progress inevitable. Watch until the end, because I’ll give you a simple 7-day action plan to rebuild your finances and start 2026 the right way—without spreadsheets, without guilt, and without living on the edge. #PersonalFinance #Budgeting #WealthBuilding