the values, standards, routine practices, and rules that people live by in order to navigate their day-to-day financial lives

goals that can be achieved in less than three months

financial goals that can be achieved in 3-12 months

things we must have to survive

process of setting goals, developing a plan to achieve them, and putting that plan into action.

things that make life more interesting and fun, but people can live without it

financial goals that take longer than one year to achieve

this measures the money you receive and spend