Problem: Participate in the "Budgeting Reality Check Discussion Board" by either creating a thread or commenting on a thread that has already been started. Module 3 has discussed simple ways to make sure you "stay ahead" in your personal finance. Answer the question is it really this simple? For example, is finding affordable housing (25% of income) as simple as it sounds? What are some obstacles that people actually face when it comes to managing finance? If it really is this simple, defend your answer. You will receive 10 points for either creating a thread or responding to another student. Please remember to keep this conversation civil or points will be deducted.