If the word budgeting makes you roll your eyes, shut your laptop and toss it out the window, you’re not alone. A whopping 47% of Americans said they do not have a written formal financial plan, according to the 2025 Annual Retirement Study from the Allianz Center for the Future of Retirement (1). Without a clear roadmap, many adults are left struggling with financial anxiety and worries about falling short of their long-term goals. Must Read Winnie Sun, co-founder of Sun Group Wealth Partners, sees the ...