We've spent the first three weeks of the year looking at cash flow. You've written down your short, mid, and long term goals, and you know about how much they will cost. You know (or you're figuring out) how much you spend each month, and you're looking at ways of cutting down your discretionary spending if you need more to save.
If you have credit card debt, you're creating a plan to pay it off. And I believe that if you're still reading this three weeks later, you will be successful in that goal! Patience is the key. If your credit score isn't great, you're taking steps to repair it.
Where do we go from here? I think it makes sense to address a question I hear often from clients: "Do I have enough money to retire?" We're going to look at how to determine the answer to that question. We're also going to look at different ways you can save for your retirement and advantages and disadvantages to each. It is not my goal to tell you what to do this year. My goal is to give you all the tools and let you do it, yourself!
Be prosperous!
Peggy
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