A budget is telling your money where to go instead of wondering where it went.
Instead of just purchasing an ad campaign, target test and measure. Give an ad a small try. If the response is enough to pay for the ad, make it larger. With a franchise, ask the most successful franchisees what they did. Ask the bottom five guys what they did and avoid it.
We learned early on that if we help enough people, the money will come.
A lower interest rate doesn't make a debt go away.
Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.
Financial peace isn't the acquisition of stuff. It's learning to live on less than you make, so you can give money back and have money to invest. You can't win until you do this.