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1. be present
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2. spend more time with my kids
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3. pay off my car
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4. pay off my graduate student loans
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5. pay off my undergraduate student loans by the time I finish graduate school
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6. increase the payment amount on my undergraduate student loans
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7. spend less than I earn
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8. start a travel fund
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9. maintain at least $1,000 emergency fund
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10. pay off my credit card debt
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11. save $1,000 in an emergency fund
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12. follow the steps of Your Money or Your Life (YMOYL)
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13. save for big ticket items
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14. get out of debt
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15. own fewer, better things
