“Budget” is a cringe-worthy word. It reeks of responsibility, discipline, and effort but as we move into our mid-twenties and thirties, reality sinks in: ” I am an adult; I have a job that pays me. But where does my money go each month?” Through my work at a financial planning firm for the last 3 years, I have learned the intricacies of designing a solid plan to help young adults meet their financial goals. These plans include everything from debt management to complex invest