Make sure next year is your most successful year yet with the timeless financial freedom lessons in the Military Money Manual, available now at militarymoneymanual.com/book The end of the calendar year is an excellent time to review your progress, success, and failures over the past year. In this episode Jamie and Spencer dissect Spencer's "State of the Money" address to his wife.

We also discuss:

• What's a "sinking fund" and how to use it to stay ahead of infrequent but predictable expenses
• How Spencer analyses his income, expenses, investing performance, and
• How to set financial and non-financial goals for the next year
• When Spencer rebalances his portfolio and why
• Focusing on actions that move the needle
• Using the Pareto Principle to focus on the 20% of efforts that produce 80% of the results

Learn more at militarymoneymanual.com