You cannot expect to manage money if you don't have a budget. This process is how you decide where your money goes.
While the process can be challenging, I wouldn't change our choice to live debt-free. I now live a stress-free lifestyle that doesn't require my income, and he is working and investing to ensure that he can soon join me.
You may be one of those millions that are unemployed and you're thinking, is she seriously suggesting we make a plan for money that we don't even have coming in right now? YES! That is exactly what I'm suggesting.