text:  I do a budget every quarter. The advice we all need. I used to do an annual budget and it never worked. It always fell apart. It doesn't work. And the guidance we could all use. Some months it works and then some months it doesn't work. The Ramsey Show. You can't do that on a quarterly or annual basis. It does not work. Oh, we went over on our budget again. Budgets don't work. No, you didn't stick to it. Budgets work if you stick to them. Weeknights 9 to 10 here on 1340 WBIW.