In 2011, Ryan Hausauer and his wife, Katie, want to focus on replenishing their cash cushion. This year they used their savings to finish their basement, so for next year they want to get the account back up to about $12,000.
They have a good reason: They are expecting their first child in March.
And the couple, who say they have no debt other than a mortgage, are already preparing to teach their baby to be savvy with money. "My dad is a CPA so he instilled that into us very early," says Ryan. "We want to do that for our child.
"For both my brother and I he set up a mutual fund in our name and stashed away some money each year. When we graduated from college, he handed the accounts over and said do what it with you will. We both used it for downpayments on houses."
NEXT: Goal: Save for retirement
