If anyone don't understand this basic thing such as budgeting then they should not be in business or have anything to do with finance. OP you did a good job but have honestly post like this are basic, this type of post will have a good fitting for beginners and help. This is a vast forum and the economy board of the forum talking about very basic thing like this that is obvious as day light is a bit cringe.
How about if anyone doesn't understand budgeting and they go all in on investments they will learn the hard ways and maybe start using budget strategy later? We all want people to not make mistakes where as mistakes need to be made for us to take a better steps.
Some things are even unavoidable in this life for some set of people, they are made to make mistakes before their potential is unleashed, you trying so hard to make them to avoid such mistakes won't even help.
Financial mistakes are different from getting hacked due to stupidity, financial goals are to be done using budget strategy because you can't tell which investment will survive in the long run and this is different from you exposing your seed to your wallet online.