The purpose of going through 12-themes over a period of twelve months is to transform your personal finances step by step. Now the transformation process should help you to ensure that both the defense and offense of your finances are addressed. You cannot just focus on living within your means, paying off debt, and saving, while not also investing, increasing your income and growing in your applied knowledge. This, in-turn, will create margin. Margin to then decide how you want to give back.