This podcast episode provides a step-by-step guide to building a sustainable long-term financial plan. **Key steps** include defining financial goals (short-term, medium-term, and long-term), assessing one's current financial situation (assets, liabilities, income, and expenses), and creating a budget. The episode also covers strategies for managing debt, building an emergency fund, saving, and investing, emphasizing the importance of regular review and adjustment. Various budgeting methods (50/30/20 rule, zero-based budgeting) and debt repayment strategies (debt snowball, debt avalanche) are explained. Finally, the episode stresses the importance of aligning the plan with personal goals and adapting it as life circumstances evolve.