Step 3: Plan your next chapter
Once your foundation is stable, it's time to look forward. Start building savings, setting goals, and planning for your future.
What happens in this step?
- Set realistic savings goals based on your new financial situation
- Create budgets for future expenses (vacation, emergency fund, etc.)
- Track your progress toward financial goals
- Build confidence in your financial future
Why this matters
After a major life transition, it's easy to feel like you're just surviving month to month. This step helps you shift from survival mode to growth mode. When you have clear goals and a plan to reach them, you regain a sense of control and optimism about your financial future.