A close friend used to really struggle to understand the concept that just because there's money in the account doesn't mean there's money to spend and was consistently behind on her bills, so handed over her money to MyBudget to mange (in her defence she was raised by parents who bought whatever they wanted whenever they wanted, funded by economic outpatient care, so she had no good role models. She wanted to be responsible, just couldn't quite make it happen)
After a few years she decided to take back control of her money to avoid the $40/month management fee but ran into the same problems, so asked me for help. I made a comprehensive list of her expenses and explained how sinking funds worked, gave her a simple, editable budget and showed her how to play around with the numbers so that she could make her own decisions about how she spent as long as all the numbers equalled above zero. Then stepped back and just answered any questions she had.
Then one day she said 'You're into money, and that's fine, but I'm not', in a tone of voice that made it clear that it was not fine. Absolutely felt self-conscious about that comment - do people really see me that way? As far as I'm concerned, I'm not into money, I'm into not running out of money.
Am I self-conscious that I own only 3 pairs of work pants, one pair of everyday shoes and mismatched crockery from the op-shop? Not in the slightest. People comment, but I'm confident in my choices.