It's not. I've used cash envelopes for many years now and can attest to the fact that when you need to pay the water bill, the money is in the envelope. When you want to go to the movies, the money is waiting for you in the Entertainment envelope. is a simple book about a simple plan that can help anyone live abundantly. It's not a budget. It's a hands-on system that will change your life. It changed ours.