To Chart the Course, break your life account into five sections:

1. Purpose statement. Determine your purpose for each account. For example, the purpose of your health account could be “to get healthy”
2. Envisioned future. Imagine how your account would look like if you had a positive net worth
3. Inspiring quote.  Find a quote that resonates with your future purpose
4. Current reality. Be honest about where you are with your envisioned future
5. Specific commitments. Make specific commitments that move you from your current reality to your envisioned reality. Make them measurable