I'm definitely a bit biased as I'm working on a startup for financial planning but I agree with you completely. Many people are not going to make big progress

I'm definitely a bit biased as I'm working on a startup for financial planning but I agree with you completely. Many people are not going to make big progress towards their longer term financial goals (getting out of debt, buying house, putting kids through college) without sitting down and creating a budget. "You can't change what you don't measure."