Create a personal income spending flowchart that has multiple phases, starting from budget & reduces expenses, builds an emergency fund, employer-sponsored matching funds, pay down high/moderate interest debts, savings for retirement in an IRA & higher education expenses, save money for retirement, and save for other goals & advanced methods. Flowcharts create visual representations of processes. For this reason, they are popular among programmers, decision-makers, and problem solvers. Manually creating flowcharts is often quite time-consuming. After all, by hand, you have to draw the shapes and other elements. Furthermore, manual revisions often require a substantial amount of effort. Fortunately, flowchart software makes flowcharting simple and straightforward.