It’s because they’re following the wrong system. one that makes them feel miserable. When you use a system that actually lets you live your life while saving, something amazing happens. You actually stick with it. So stop treating money like something you have to suffer for. Save smart. Spend smart. And make your money work for you, not against you. And that’s how I Figured It Out. Step 2: The 50,30,20 Rule. The Budget That Doesn’t Suck.