No matter how thoroughly or skillfully we plan, starting out on a journey is an adventure. Such as implementing a Spending Plan. It all looks so easy on paper, but stepping out into the real world is full of uncertainty. Some fine this exciting and stimulating while others are intimidating. Which are you? I confess I am very cautious. They call that being risk averse. I have a strong preference for security and safety, but the whole point of self-determination is taking risks. Without taking risks there is no reward. So when I go out into the world, I have to chill a bit and take some risks. How about you?