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It’s important to have short-term financial goals to be working toward. The goals need to be realistic
and attainable. If not, then you will stop setting them.
Your short-term financial goals should include—but not be limited to—saving and investing goals.
You should include rewards as part of your financial goals.
An example may help:
Monthly goals
▪ Put $250 in a savings account.
▪ Put $350 in a 401K account.
▪ Put $150 toward a vacation.
▪ Save for and buy a new iPad.
Annual goals
▪ Add $3,000 to a savings account.
▪ Add $4,200 to a 401K account.
▪ Increase your net worth by $12,000.
▪ Take a vacation to Jamaica.
▪ Buy a fifty-two-inch television.
If you set financial goals (and keep track of them), you will have a good chance of achieving them. If
you don’t set financial goals, you have absolutely no chance of achieving them. Set them both monthly
and annually. Periodically, analyze them to see what you achieved and what you missed. Continue the
process quarterly.

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