Introduction Money management is one of the biggest challenges facing Americans today. Whether you’re a college student paying off loans, a parent managing family expenses, or a professional trying to save for retirement, it often feels like money disappears before the month ends. That’s where zero-based budgeting (ZBB) comes in. In simple terms, zero-based budgeting means giving every single dollar a purpose. Instead of just tracking where money went, you decide where it will go before you spend it. In this long-form guide, Zero-Based Budgeting Explained USA, we’ll break down how it works, why it’s so powerful, practical steps to start, real-life examples, tips, pros and cons, and even tools…