re: How do you help financially ignorant people?

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Ugh, again with the envelopes.

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Yes.

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Do people not understand a simple house fire can erase their savings overnight?

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Once you get the system in place, you can use a bank account to store Baby Step 1 and 3. It is your monthly budget items that you use the envelopes in - envelope for groceries, envelope for misc., etc.

You don't have your 3 to 6 months (Baby Step 3) of $10 to $15k sitting around in envelopes in your house.

Please don't misrepresent the system if you don't understand it.

(ETA: Now the way that the folks in the OP were using envelopes is contrary to good practices. That's Baby Step 5, anyway.)