There is a question that people in the fitness community frequently ask: What is the best diet and exercise program? The answer . . . the one you can stick to. I could tell you that you should eat broccoli because it’s one of the most nutritious foods on the planet, but if you gag the second it touches your tongue, or worse, if you’re allergic, that’s going to be terrible diet advice. In the finance realm, much the same can be said about budgeting, or as we like to call it, a spending plan. The best spending plan is going to be the one you can stick to. Each person’s goals and values will differ, and because of that, their spending and savings will be unique as well.