The podcast discusses the common problem people face when they start budgeting: they often create overly complex budgets with too many line items, which can lead to frustration and eventual abandonment of budgeting altogether. An actionable business idea would be to develop a budgeting app that emphasizes flexibility and simplicity. This app could allow users to categorize expenses into broader categories instead of micromanaging every little purchase. For example, instead of tracking every item bought from Amazon or Target, users could just categorize it as 'Shopping'. The app could also include features that allow users to set budgets for these categories and adjust them easily over time as they learn more about their spending habits. The target audience would be individuals new to budgeting or those who have struggled with traditional budgeting methods. By focusing on user-friendly design and adaptability, this app could help people maintain a healthier relationship with their finances without feeling overwhelmed.