Someone I knew trusted me to handle their finances, overcoming their feelings of embarrassment over how they managed their money. They spent on what they wanted without knowing their actual current account balance. If their card declined, they would defer to a credit card, transfer money out of savings, or sell their investments. They had no budget and no knowledge of where their money was going (aside from the subscriptions and bills they could name). But they also felt ashamed and harboured a fear of being judged, not realising that their circumstances were extremely common. I went back through 6 months of bank transactions and categorised every one. I created a model to show them what was coming in and going out, and where the gaps were between their financial reality and their goals. I built a monthly budgeting template that they could update as their finances changed over time. This system, years later, is still running today to keep them on track.