Anyone can benefit from this budgeting system. It's particularly good for people who make a lot of impulse purchases and those who have a hard time sticking to a budget. Young adults benefit by learning how to categorize their money into pockets and stay within the designated amount. This will help you keep from overspending in general. If the money is not in the envelope, you can't spend it. So if you already spent all the money in the gift envelope, you need to wait until next month or next pay period when you re-deposit money into the envelopes to buy the gift. This keeps you from charging on credit cards.