During which step do counselors help members create actionable financial plans?

Gaining agreement on a budget is the step when counselors assist members in creating actionable financial plans. At this stage, counselors work collaboratively with members to identify their financial situation, set realistic goals, and establish a budget that reflects their priorities and resources. This process ensures that the plan is not only developed based on ideal circumstances but is also practical and actionable, allowing members to implement the financial strategies effectively in their day-to-day lives.

By establishing an agreed-upon budget, members can visualize their financial path, measure their progress, and make adjustments as needed, thereby enhancing their financial management skills. This step is crucial as it translates broad financial goals and aspirations into specific, manageable actions that individuals can follow.