I'm American. Most of my friends/family don't even pretend to budget. Looking at reports of the debt loads of Americans, it's pretty clear that we overspend. So if we do budget, we don't follow it.
your comment was about "Americans" generally. Not about Americans you know.
pointlessly divisive, stereotyping nationality, and without merit. exactly the type of comment we need less of on HN. I replied because it prevents you from deleting the comment.
EDIT:
ah, I see that they are now replying with a random article found after hastily searching for sources to confirm their bias with commentary from * squints * a "financial therapist." A CNBC article that is a submarine (as coined by PG[1]), meant to advertise OppLoans.
don't believe me? see all the articles written by CNBC for OppLoans:
lol, I didn’t realize suggesting Americans don’t budget would even be controversial, let alone considered an attack. Attacking people with the rules isn’t constructive. If you think my comment isn’t appropriate, just flag it.