The Bougie Budget — front cover

Second Edition · Paperback · Digital

Budgeting is old.
Welcome to Expense Management Planning.

The Bougie Budget — the system we run with families across the country, every payday. Keep what you love. Hit one number. Watch it climb.

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Digital edition available now · paperbacks ship from November 17, 2026.

You don't have a spending problem. You have a planning problem.

You make good money. You pay your bills. And somehow, every payday, it's gone. So you tried a budget — cut the fun, felt guilty, quit by week three. That's not on you. Budgets were built to fail.

What's inside

  • Define Your Bougie — name the one or two things you love spending on, and protect them on purpose
  • Cashflow cycles — plan every paycheck before it lands, not the month after it's gone
  • The allocation hierarchy — bills, debt minimums, your Bougie, your Cashflow Goal, then the attack on your debt
  • The 24-Hour Rule and One Card Leaves the House
  • The Attack Plan for debt — fires, deadlines, most expensive, tiebreaker
  • Four real client case studies, including a 52% rent increase that didn't break the plan
  • Your First EMP template, the Define Your Bougie worksheet, and a 10-cycle scoreboard
Who it's for. Earning $60K+, less than $15K saved, $5K+ on cards, buy-now-pay-later or back taxes, and you can name exactly where the money leaks — you just feel overwhelmed by it, and you're the one making the money decisions. Maybe the cards you paid off are creeping back. If that's you, this book was written for you.

"It's next to impossible to stay consistently uncomfortable; and staying consistent is the most important thing."

— Bobby Renner

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Digital Edition

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Paperback

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Bobby Renner

About the author

Bobby Renner is a Family CFO and president of Renner Financial Group, LLC, based in the Washington, DC area and serving families nationwide. We run the EMP with households across the country: one number to hit every payday, built on money you actually have, on the schedule you actually get paid.

Copyright © 2026 Renner Financial Group | All Rights Reserved | Phone: (202) 240-7830 |

‬rennerfinancialgroup.com | Washington, DC · Virtual Nationwide | Instagram: @bobbyrenner88