They aren’t going to change the fact that you spend money on kibble, they’ll just give you plans on what to do after you stop the death of a thousand cuts.
Honestly, if you’ve got a budget, then there isn’t much a planner is going to do to change what you’re doing other than saying category X is more than is typical for someone with your income.
Maybe a better question is where is the money going that is discretionary? For your fixed costs: housing, cars, are they porportionate for your income?
