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The Budgeting Method That Actually Sticks: Values-Based Budgeting Explained | 108
LEAVE A REVIEW on Apple Podcasts for a chance to Win JL Collins’ A Simple Path To Wealth!
Most budgets fail, and it's not because you lack discipline. It's because traditional budgeting is built backwards. In this solo episode of the Extreme Personal Finance Show, Chris breaks down why budgets collapse the same way diets do, and introduces values-based budgeting as the fix.
Pulling from research on money scripts (Dr. Brad Klontz) and Ramit Sethi's conscious spending plan and money dials concept, Chris walks through a practical, do-it-at-home exercise: pick five core values, rank them, automate your fixed costs, and spend the rest guilt free on what actually matters to you. Along the way, he shares the data on why 83% of Americans say they overspend, why 84% of people with a monthly budget blow past it, and why a huge chunk of people can't even tell you what they spent last month.
If you've ever felt like a failure for "cheating" on your budget, this episode reframes the problem and gives you a values-first system that's actually built to last.
Bonus: this episode doubles as a preview of the in-person workshop happening at the Benjamins After Dark meetup in the Twin Cities on July 15th.
Contact Chris:
https://heavymetal.money
https://www.facebook.com/MoneyHeavyMetal
https://x.com/MoneyHeavyMetal
https://www.instagram.com/chrisluger
https://www.tiktok.com/@heavymetalmoney
email: chris at heavymetal.money
Resources and Links:
The Heavy Metal Money Mosh Pit
https://www.facebook.com/groups/heavymetalmoney
The Benjamins After Dark Meetup Group
https://www.facebook.com/groups/stackingbenjaminstwincities
Values-Based Budgeting Event in the Twin Cities, MN
https://www.facebook.com/share/1HD5BRCbhk/
https://heavymetal.money/moneyscript
I Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Works
by Ramit Sethi
https://a.co/d/0cTHyZ6B
https://www.iwillteachyoutoberich.com
SPEND ON WHAT YOU VALUE
https://heavymetal.money/spend-on-value/
DR. BRAD KLONTZ
https://www.bradklontz.com
https://www.youtube.com/@DrBradKlontz
Paula Pant at Afford Anything
https://affordanything.com
Contact Chris:
https://heavymetal.money
https://www.instagram.com/heavy_metal_money/
https://www.youtube.com/@heavymetalmoney
https://www.facebook.com/chrisluger
email: chris at heavymetal.money
View all episodes
By Chris LugerLEAVE A REVIEW on Apple Podcasts for a chance to Win JL Collins’ A Simple Path To Wealth!
Most budgets fail, and it's not because you lack discipline. It's because traditional budgeting is built backwards. In this solo episode of the Extreme Personal Finance Show, Chris breaks down why budgets collapse the same way diets do, and introduces values-based budgeting as the fix.
Pulling from research on money scripts (Dr. Brad Klontz) and Ramit Sethi's conscious spending plan and money dials concept, Chris walks through a practical, do-it-at-home exercise: pick five core values, rank them, automate your fixed costs, and spend the rest guilt free on what actually matters to you. Along the way, he shares the data on why 83% of Americans say they overspend, why 84% of people with a monthly budget blow past it, and why a huge chunk of people can't even tell you what they spent last month.
If you've ever felt like a failure for "cheating" on your budget, this episode reframes the problem and gives you a values-first system that's actually built to last.
Bonus: this episode doubles as a preview of the in-person workshop happening at the Benjamins After Dark meetup in the Twin Cities on July 15th.
Contact Chris:
https://heavymetal.money
https://www.facebook.com/MoneyHeavyMetal
https://x.com/MoneyHeavyMetal
https://www.instagram.com/chrisluger
https://www.tiktok.com/@heavymetalmoney
email: chris at heavymetal.money
Resources and Links:
The Heavy Metal Money Mosh Pit
https://www.facebook.com/groups/heavymetalmoney
The Benjamins After Dark Meetup Group
https://www.facebook.com/groups/stackingbenjaminstwincities
Values-Based Budgeting Event in the Twin Cities, MN
https://www.facebook.com/share/1HD5BRCbhk/
https://heavymetal.money/moneyscript
I Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Works
by Ramit Sethi
https://a.co/d/0cTHyZ6B
https://www.iwillteachyoutoberich.com
SPEND ON WHAT YOU VALUE
https://heavymetal.money/spend-on-value/
DR. BRAD KLONTZ
https://www.bradklontz.com
https://www.youtube.com/@DrBradKlontz
Paula Pant at Afford Anything
https://affordanything.com
Contact Chris:
https://heavymetal.money
https://www.instagram.com/heavy_metal_money/
https://www.youtube.com/@heavymetalmoney
https://www.facebook.com/chrisluger
email: chris at heavymetal.money