Distinguish budget-coaching moves from advice reflexes.
Motivational interviewing OARS and autonomy support “What was happening right before the purchase?” Coaching move “You should delete the app.” Advice reflex “Which option would protect the goal with the least friction?” “Just use cash envelopes.” “What have you already tried that partly worked?” “Stop buying coffee until debt is gone.” “Would you like one idea after we map the pattern?” “The fix is obvious: spend less on weekends.” The trap is sorting by emotion alone. Budget coaching asks what kind of constraint you are seeing so the next move fits.
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