Dear Dave: Do you ever reach a point in your plan where you stop budgeting or using the envelope system?
I've been fortunate enough to build a net worth of several million dollars, and my wife and I never stopped doing either one. We still sit down together every month and plan out a written budget. Every dollar is spent on paper before the next month begins, and we follow it exactly. And I can promise that were you to look in my wife's purse, you'd find one of our deluxe envelope systems, just like we sell in our office bookstore. She carries it with her everywhere.
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We do these things because we're responsible spiritually for handling that money well. Those of us who are Christians call that "stewardship." We feel like we're called to be good stewards - good managers - of God's money. It's not a freaky thing. It's just a matter of following God's good advice and common sense.
I want that money to behave, and these things are some of the best ways I've found to make it do what it's supposed to do!