<prompt> Human: Many in rpersonalfinance I believe are big advocate on having a budget. Im curious how much time you spend monthly doing that? For those of you who are frugal, with good income, always have positive monthly cash flow and have no need to control spending because you buy what you need, not want. Do you find yourself not needing to budget at all? and instead maybe use the time to generate more income or idk spend more time with family, etc?  <response>: Probably 20 minutes at the start of each month. The first day of every month is my finances day. I pay all my utilities, rent, credit cards. Check my retirement accounts. And review my budget to make sure its all in line.Obviously many people need more day-to-day budget monitoring, but Ive found once you fall into a lifestyle rhythm, this isnt really necessary. The budget kind of takes care of itself, and at most just needs occasional tweaking. 