You’ve heard it before: “Failure to plan is planning to fail,” but you’ve rolled your eyes and just kept “going with the flow” hoping the tides will flow that money tree right into your back yard so you can finally start living the life you’ve always dreamed about…or at least be able to take a day or two off work when you’re sick without having to stress about how the bills would get paid if you did.

Grab your pen and paper, write out your dreams and goals, and let’s start planning to succeed!