Example Roommates: Yes, even roommates need to talk about money. Is everyone paying their share of living expenses? Has it been on time? Be sure to discuss any upcoming expenses that may affect everyone living together.

Creating a budget can be insightful, but without accountability, is it really that useful? My parents are looking to retire in a few years and realized they needed to start living off a budget in order to see those financial goals met.

As this is something she was never taught, and I made the extra effort to learn, I want to share some insights for anyone else looking to create financial goals - specifically in the form of living off a budget.