I once spent two hours on a CSS bug that turned out to be a missing semicolon two lines up. My eyes just refused to see it until I walked away and came back with fresh coffee.

That line about "budgeting for the person I wanted to be" really hits, and honestly the weird part is that the shame of being wrong is what makes the real numbers so hard to look at. Something nobody talks about is that your spending already tells the truth, so the fix is less about willpower and more about just building last month's real life into the plan instead of the fantasy version.

Friend did the same, now his V60 collects dust.