Problem: Meet Alex (aged 35) and Morgan (aged 32), a married couple residing in a metropolitan area. Both are successful professionals with stable incomes and a desire to secure their financial future. While they have been diligent in managing their money, they recognize the importance of refining their financial strategy to align with their life goals. The couple has a mix of short-term and long-term objectives, including but not limited to vacations, homeownership, education planning for future children, and building a retirement nest egg. At this moment, Alex and Morgan are uncertain about the effectiveness of their current budgeting approach. They wonder how they can optimize their spending habits to achieve a better balance between lifestyle enjoyment and savings. The couple is also unsure about the adequacy of their emergency fund and wants guidance on managing existing debts. As a couple both Alex and Morgan have multiple financial goals, including but not limited to homeownership and education planning but they are uncertain about the prioritization and timelines for these goals.