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STEP 12: SET SHORT-, MID-, AND LONG-TERM GOALS Personal financial goals will differ in the length of time needed to achieve them. Short-term goals are priorities that can be accomplished within two years. Be sure every goal has a specific purpose, a dollar amount that it will cost, and a realistic target date. Mid-term goals are priorities that can be accomplished within two to five years. Make sure your goals are realistic and flexible. If you set your goals too high, frustr...ation will keep you from reaching them. Long-term financial goals are priorities that may take more than five years to accomplish. Most long-term goals require regular savings.

STEP 10: SET YOUR PRIORITIES Creating a list of needs and wants can help you establish your financial priorities.

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