By the end of this year, I _______ my credit card debt.

• have paid off

• will pay off

• will have paid off

• had paid off

She is planning _______ her student loan by 2027.

• to pay

• to have paid

• to pay off

• to have paid off

They _______ a six-month emergency fund by next April.

• will have built

• will build

• built

• are building

He hopes _______ enough money to invest in a small business.

• to be saved

• to have saved

• to save

• to saving

By the time I turn 35, I _______ a retirement plan.

• will start

• started

• will be starting

• will have started

I __________ studied harder for the exam.

• wish I study

• should study

• should have

• will have

If only I __________ my parents' advice about saving money.

• had taken

• will take

• take

• have taken

She wishes she __________ so much last weekend.

• didn't spend

• hasn't spent

• hadn't spent

• wouldn't spend

I __________ brought an umbrella. Now I'm soaked!

• wish I had

• should have

• should

• will have

If only we __________ the train earlier, we wouldn’t have been late.

• catch

• had caught

• caught

• have caught