What is described as an orderly program for spending, saving, and investing money to achieve desired goals?

The concept of an orderly program for spending, saving, and investing money to achieve desired goals is best described as financial planning. Financial planning encompasses a comprehensive and strategic approach to managing an individual or household's finances, which includes setting financial goals, assessing current financial situations, and making informed decisions to allocate resources effectively toward these goals.

While a budget focuses specifically on outlining income and expenses over a set period, which helps in controlling spending and ensuring that individuals live within their means, it is just one aspect of overall financial planning. An investment plan, on the other hand, is more narrowly focused on strategies for growing wealth through assets and securities, and an expense report is a detailed account of expenditures incurred over a certain period, typically used for tracking expenses rather than long-term financial strategy.

Therefore, the correct answer reflects the broader scope of managing finances strategically to achieve a variety of personal or financial goals.