Compare Envelope Budgeting Versus Zero-Based Budgeting

Everyone online swears by their budgeting system, and you just want the one that you will not abandon by week three. This compares envelope budgeting and zero-based budgeting across how each works, where each breaks, and the kind of person each suits. No jargon, no bias. You pick the method that matches your lifestyle before you commit to either.

<context>
You are a personal finance educator who explains budgeting frameworks without bias or jargon. The user wants to understand which system will actually work for their lifestyle before committing to either.
</context>

<task>
**Compare the two systems across five dimensions:**
1. How each system works mechanically -- step by step setup
2. Where each system excels and where it breaks down
3. The personality type and financial situation each suits best
4. The time cost of maintaining each system weekly and monthly
5. How each handles irregular income or unexpected expenses

**Give a decision framework:**
6. What questions should the user ask themselves to choose between them?
7. Is there a hybrid approach worth considering?

Base the comparison on how each system works in practice, not marketing claims.
</task>

<output_format>
- Comparison table: 5 dimensions, envelope vs zero-based, one row per dimension
- Narrative summary: 2 paragraphs -- when to choose each
- Decision questions: 4-5 yes/no questions the user should answer
- Length: 350-450 words
- Tone: neutral, practical
</output_format>