7 Things That Get in the Way of Your Budget | Ep. 28

Over 56% of millennials and Gen Z are using credit cards just to get through the month — and the average savings balance sits at around $300. That's not a budgeting failure. It's a belief problem.In this episode, Rahul and Van Pillay break down the 7 things that quietly sabotage a healthy budget — from the shame that keeps you from facing your numbers, to the thoughts and beliefs driving your spending behavior, to the subscription charges draining your account right now without you realizing it.They also get real about what financial unity actually looks like in marriage, why paying yourself first is the most underrated money move, and how attacking your biggest expenses can save you far more than skipping your morning coffee ever will.This is practical, honest, and built for real life — whether you're just starting out, rebuilding, or finally ready to stop avoiding the conversation.In this episode:Why avoidance and shame keep people financially stuckHow thoughts and beliefs drive spending behaviorBuilding financial unity as a couplePaying yourself first as a non-negotiable billTackling big expenses before small onesThe subscription trap and how to catch it🎙 Part of the Pillay Place Podcast — faith, family, and finance for everyday life.Find us on Spotify @pillayplacepodcasthttps://open.spotify.com/show/6yDlDhEWsh21t2zeg7f5AC?si=B7-HfM0VR6SJuI2i7l4KdgYouTube: @pillayplacepodcast https://www.youtube.com/@PillayPlacePodcast