<prompt> Human: Im 42 years-old have NO idea how to manage money. Married for 20 years. 4 kids. Ive lived paycheck to paycheck for my entire life even though I make decent money middle to upper middle-class. Ive used various software like Mint, read Dave Ramsays books and workbooks, used his envelopes technique, etc. I have a spreadsheet of all income and outgoing money. Manageable debt but obviously am working towards zero.All approaches worked to some degree, and I take full responsibility for the failures. Im just tired of being broke bc I cant manage money. Any advice welcome.  <response>: Sounds like you know exactly what you need to do, but only you can make yourself actually do it. Thats the hard part of the budget. 