Budget Culture and the Dave Ramseyfication of Money

There are real ramifications of reading these articles for decades and decades. You start to believe it. You start to think the only way to manage money is to hoard it and create an increasingly long list of noes. Soon, the guilt isn’t just coming from money experts and the outside world. It’s coming from you.

You know that the “money is bad” narrative is a myth that keeps people of color and particularly women suppressed and controlled. Yet, you still consume it through media, religion, people in your circle, and so on, and it leaves you feeling guilty about your ambition, subconsciously sabotaging your goals. You question every common narrative that po

In our private lives, we also allocate our money to categories, or accounts. We generally set a budget for clothes and entertainment, rent and bills, investments and indulgences. We don’t necessarily follow this budget, but we do set it. And much like companies, if we use all the money in one category, that’s too bad; we can’t replenish it (and if