BUDGET-COACHING5 MIN READ
Read: put the goal before the spreadsheet
Explain why budget plans stick better when tied to a client-owned goal.
"The spreadsheet needs a purpose.\n\nSMART goals work because they force the coach and client to define success before arguing tactics. In budget coaching, that protects the conversation from random frugality tips.\n\nThe best goal is not necessarily the most virtuous. It is the one the client is willing to protect when pressure arrives.\n\n## Visual anchors\n\n- Comparison card: vague aim vs SMART target\n- Score chips: specific, measurable, relevant"
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