I do agree that right mindset is needed. The mindset is how to well organize financial aspects of current daily life (as you mentioned some of them, budgeting and spending) for list of financial purposes, isn’t it ?
And I’m sure, mostly people who has been dealing with revenues and expenses basically has this kind of general mindset. Otherwise, we will go to opposite direction and get suffers financially as the result.

I also agree that willingness to apply basic discipline is really needed to implement that mindset in our life.

The point of my idea is:
We cannot separate financial goals with whole life ultimate goal, which is specific from one to other person. As human being, every of us has specific own perspective of the life itself, and how to make our own life is worthy enough four us.
So, flexible implementation of personal finance planning is valuable thing to do. Placement of budgeting, saving, investing, and other personal finances guidance and theory as a map / tool to bring us pursue our own specific goals.
Placing personal finances as an object (tool) and ourselves as a subject, will drive us to the essence of personal finances basic purpose. Once we do it, then we will do with our heart, so that I call it “just a game”.
In contrary, implementing rigid personal finances and place it as a subject which regulates our daily life, seems more make us lost our main perspective instead of giving optimum benefit to our life.

A healthy personal finance begins with a right mindset, and the willingness to apply the basic discipline of budgeting and spending.