Where most financial education classes begin, Bootstraps ends - with the budget. The lesson here is that a budget is not a punishment, something one “should” do. It is a plan that often needs tweaking and updating, and the actual expenditures need to be frequently compared to the original plan. Once a person is able to look at a budget as a snapshot of their current values and a road map for future behavior, it becomes a useful tool that helps them achieve their goals and dreams. Is your plan on the right road?