My wife goes to the gym but she works out doubly hard when she has me or a trainer cracking the whip. If she goes on her own, she slacks off and she knows it.
Me, I’m the other way around. If I had someone standing over me saying work harder, I’d tell’em to go eff themselves.
Different strokes for different folks. The original post sounded like Nicole is already doing well at containing spending, that’s why I focused on how to tell if a FP is needed.
