People achieve more when they are working toward a goal. If you aim for nothing, you nail it every time. Take some time to write out Financial goals for your person or your family. Consider all parts of your life and what you want in them.

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SMART goals should be

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Specific: What exactly do we want to accomplish?​

Measurable - Mutual - Motivational: Can this be marked as accomplished? Is everyone on board? Can we get excited about this?

Attainable - Action Oriented: Can we really do this? WHAT do we have to do to get there?​

Realistic - Responsible - Review/Revise: Should we be doing this? How will we monitor our progress?​

Touchable - Time Based: Can we see this forming? When it's done, what will we touch? WHEN will we do each action? WHEN will we be finished?



Over the next 32 years before retirement, we will invest monthly (and automatically) in our ROTH IRAs in order to accrue 3 million dollars for retirement at age 65. Every month we need to deposit $416 into each spouse's ROTH IRA to max our allowable deposits for the year. Each year we need to monitor our tax filing to be sure the ROTH IRA continues to be our best option. Each month we need to monitor our deposits and balances for accuracy.