There is a difference between having a budget and actually budgeting. A budget is the written plan. Budgeting is living according to the plan. Seventy percent of working Americans live paycheck to paycheck and use credit cards to augment a lifestyle they can't afford. The first step is acceptance of your current financial situation. Until you accept that you have to live the life you can afford, financial independence will remain out of your grasp. The math is easy: income - expenses = savings; $0 savings = $0 future wealth. Learning to control financing what you can't afford is the challenge. Our presentation will illustrate the important obligations you neglect at the cost of instant gratification and the adverse consequences to your financial future. Our aim is to convey that your income is your most valuable wealth building tool and failing to manage it is the greatest obstacle to achieving financial independence. The most effective way to manage your income is by budgeting.