What if the problem isn’t you — it’s the budget?

In this episode of The Prosperity Lounge Radio Show, Joey Ruffalo shares the hard truth about why most budgeting strategies fail and how to flip the script to create a plan that brings peace, not pressure. From common traps like rigid templates and guilt-based spending to real-world solutions like values-based budgeting and “fun money” flexibility, Joey breaks it all down with humor, honesty, and real-life experience.

He also dives into the $1.77 trillion student loan crisis and how a strong, flexible budget is your best defense against chaos — whether you’re repaying debt, applying for forgiveness, or just trying to stay afloat.

🎯 Learn how to stop living reactively and start telling your money where to go.