Picture the life you want and why it matters This helps you stay focused and avoid distractions Feeling overwhelmed is normal Think about small wins like saving for rent or paying off a credit card These goals help you stay on track Sort your goals into short mid and long term Short goals might be saving for emergencies Mid-term could be paying off a loan Long-term goals are for retirement or college Clarifying purpose helps you pick what comes first and keeps you motivated Be honest about your current situation to set realistic goals Choose one goal per time frame Make a weekly ritual to check your progress Start small Small steps add up Regular planning helps you adjust your goals as life changes https youtu be BsaAQvJF io si Iov ZLLWyuRYyyei Assess Your Financial Picture and Prioritize What Comes First Start by listing all your income and expenses each month Know your take-home pay by subtracting taxes Track your expenses to see what's essential and what's not Map income taxes expenses debt and net worth Write down your assets and liabilities to understand your net worth Note any loans and credit balances to plan your attacks Short- mid- and long-term priorities First set a simple budget and start an emergency fund with Then grow it to three to six months of expenses Next tackle student loans or save for a car Long-term goals are for retirement and college funding Recommended order and payoff method Follow this order budget emergency... Login to read full