If you are similar to most people, the term budget is a nasty six-letter word that no one likes. What do you mean I have to track where I am spending? Balance a checkbook; what does that mean? Better yet, what is a checkbook? I, too, feel this way, but I do know what a checkbook is! For most people, budgeting is not fun, and it doesn't come easy when you have more month left than money in the bank account. However, if you were fortunate enough over your career to save some money and are considering retiring, the word budget should be significant to you. It is so important that it could jeopardize your retirement altogether.

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