
You Don't Have a Savings Problem. You Have a Leak.
7 min read|Financial LeaksBudgetingSpending Habits
Most people don't overspend. They under-track. Here's the leak framework that shows you where your money is actually going.
Joy Casfhir

Most people don't overspend. They under-track. Here's the leak framework that shows you where your money is actually going.
The answer isn't one or the other. It's both, in a specific order. Here's the sequence that stops debt from coming back.
Think you have a savings problem? You might actually have a spending leak. The difference changes how you fix it.
A financial leak isn't a splurge. It's a structural gap that quietly costs you money. There are 9 types. Most people have 3-5.