I mentioned in passing to Ben that I've never had a budget. Even when I was living month-to-month, I didn't have a budget. Ben said he was taken by surprise because, "If anyone were to have a budget," he certainly imagined that I would be one of those people.

Oddly enough though, I never have. We talk about how my no-debt mentality plays into this, as well as how I'm able to prevent unwanted spending and still maintain proper allocation of funds and expenses without using a budget.

It's an exploratory episode wherein Ben and I discuss the different methodologies, habits, and mindsets around handling finances and ultimately arrive at deeper issue of your core values and how they define the way you approach money.