personal finance

I still remember the first time I sat down with a young couple in my office—let’s call them Mark and Jennifer. They were in their late twenties, recently married, and like many people their age, they were trying to figure out how to balance student loans, rent, and the dream of eventually buying a house.

Managing money can often feel overwhelming. Between paying bills, saving for the future, and handling unexpected expenses, it’s easy to lose track of where your money goes. That’s where budgeting comes in. A solid financial plan isn’t about restriction