2019 Financial Goals: 1. STOP SPENDING- you cannot move forward financially if you are constantly buying bullshit. 2. PAY OFF DEBT- credit card debt can paralyze you for years. 3. DOWNSIZE- the more stuff you have or more expensive, bigger stuff you have, the harder and longer you are going to struggle financially. 4. INVEST- once you have stopped the bleeding, paid off debt and made life simpler for yourself, start buying dividend producing stocks when they go on sale.