All the options listed are valid reasons to track expenses when creating a budget. However, if you are looking for the least relevant to the act of tracking expenses, the statement “It allows you to find out if you can afford to set a savings goal” could potentially be considered less direct because it leans more towards the outcome of budgeting rather than the reasons for tracking expenses specifically.
In essence, the other three options directly relate to understanding and analyzing past spending, while the last option pertains more to planning for the future based on those analyses.