Knowing how to create and stick to a budget is a skill that will help you throughout every stage of your life, from graduating high school all the way through your retirement years. (Even if your parents plan to pay for your future education, you’ll still need to budget how much you spend on clothes, meals, and entertainment.) Far too many people don’t start thinking about creating a budget until they find themselves deep in debt. By earning this badge, you’ll know how to avoid financial pitfalls while also helping you be independent and live your dreams.