[mratsim]

> In a way, I think you're absolutely correct that it's harder to change anything, but not because the method is wrong; it's because it addresses the fundamental issue of traditional budgeting and it's difficult and tough to deal with the consequences: you can only budget the money you actually have. You can't make up numbers about what a month usually looks like.

You can predict what your month will look like based on your rent, utilities and how expensive are your groceries from the past months.

The unpredictable is accident and sickness but that's what insurances and emergency funds are for.