Update: I did learn something this year by doing an Economics class project. We had to plan the next 30 years of our life with a major financial event occuring each year. That forced me to do a lot of research on buying a house, investing, inflation, private health insurance, etc. Also, for the first time ever, we started building up a savings account. It’s been very exciting to see our savings balance grow and reassuring to know that if an emergency happens, we won’t have to increase our debt by using a credit card. Our plan this year is to continue building our savings and to make some investments.