Wallethub – Q:Who should try zero-based budgeting?
I think anyone who wants every dollar to have a job should try zero-based budgeting. For example, people with steady income and a clear goal (paying off debt, building savings). Like Just-in-Time (JIT) inventory, it runs best when the flow is predictable.
Q: Who is most likely to struggle with zero-based budgeting?
I have a couple of examples. (1) Irregular earners. Their volatile income is like unreliable supply, and the system needs smoothing before it works. (2) People with no buffer and heavy fixed costs. Any shock could make them go straight to debt, like a JIT line with no safety stock.