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Budgets Don’t Work

I Saved $60,000 on less than $40K Salary ( Never Budgeted) I’m about to say something unpopular in the finance world: Budgets don’t work — and they’re not the reason you’re “bad with money.” I saved $60,000 in 3.5 years while earning under $40K — and I never tracked my coffee spending, never used a spreadsheet, and never followed a traditional budget. Instead, I built a money system. In this video, I break down exactly how I saved and invested money on a low salary, why budgeting fails most people (especially women and first-generation wealth builders), and how automating your money can help you build wealth without guilt, stress, or burnout. This is the same strategy I wish I’d learned earlier — back when I was working in nonprofit and before I ever entered wealth management. If you want to build wealth without obsessing over every dollar, this video is for you. ⏱️ Timestamps 01:00 – The difference between budgeting vs systems 02:07 – Step 1: Make your money invisible 02:47 – The guilt-free “fun money” method 03:36 – Saving while earning under $40K 04:04 – Budgets create guilt, systems create growth 04:15 – You don’t need discipline — you need design 04:35 – How this helps close the wealth gap Disclaimer: This video is for educational purposes only and not financial advice. Consult an expert for personalized guidance! 🌱💰 #investingcoachw #investingcoachwahidah #SavingMoney #PersonalFinance #WealthBuilding #FinancialFreedom #WomenAndMoney #MoneySystems #InvestingForBeginners #FirstGenWealth #AutomateYourMoney