- You have a spending plan in place that helps you understand what’s coming in and out so you can get out and enjoy life.
- You’re consistently paying down your debt, starting with the highest interest rate first.
- You pay yourself first every payday with an automatic transfer from your checking account into your savings account.
- You’re participating in your employer sponsored retirement plan and/or are contributing to an IRA.
- You have an accountability partner – friend, family member, planner – who supports and encourages you when it comes to your money goals!