🎯 SETTING FINANCIAL GOALS (30 STEPS) 🧠 Step 1–10: Define Your Goals Clearly Decide what you want financially (freedom, stability, wealth) Separate short-term goals (0–1 year) Separate mid-term goals (1–5 years) Separate long-term goals (5 years) Be specific (not “save money” but “save $1,000”) Use the SMART method (Specific, Measurable, Achievable, Relevant, Time-bound) Write your goals down Put deadlines on each goal Prioritize your most important goals Focus on goals that improve your life �