http://media.blubrry.com/wealthsteading/www.wealthsteading.com/podcastepisodes/wsp_274_180928.mp3Podcast: Play in new window | Download | EmbedSubscribe: Apple Podcasts | Spotify | RSSEpisode 274:   I never budget. Budgeting is a plan for failure.  Optimistic biased budgets encourage people to spend what they can “afford”.  Inevitably things go awry.  Unforeseen expenses cause a deficit that usually ends up on a credit card. Stop thinking…