Step 1: Create Goals (include TVM) Develop at least 2 specific financial goals for your future. To the extent possible, use the time value of money concepts (and show the math) to indicate, for example, how much you must save (for a future earnings goal), or pay (to eliminate debt) within a specified period of time. Goals may include your plans for retirement someday, or to purchase a home. You may also wish to determine how long it will take to pay off a debt. Some students may wish to consider developing funds to generate income for family vacations or mission and college funds. Dream a little, and then organize a few goals that will help you to see what you must do, on a consistent basis, to make your dreams a future reality. Step 2: Describe How You'll Achieve Your Goals Discuss any other aspects of your goal, using information gleaned from your study in this course, to describe how you will achieve your goals. This may include how you will fit the financial requirements for this goal into your budget, and what other sacrifices or adjustments may be needed to make this goal a priority as you manage limited financial resources. You should include enough detail about your goals and how you will achieve them to fill at least 1- page (double spaced).