Pick your priorities When your to-do list is too long, nothing gets done. Identify your top goals by sitting down with your spouse and filling in the blanks: "If we could just do X, Y and Z, we'd be so much better off."
Run the numbers Use our calculators to determine how much you need to save, invest or pay off to meet each goal. The more tangible you make the objective, the better your chances of achieving it.
Break it up Pinpoint three concrete steps you can take to move closer to your goal. Then start on step one. Tackling it in small chunks makes the task seem doable.