What do you want?If you have reached this page after determining your financial needs, continue on. If you have arrived from some other source, please go to "financial needs".
Having prioritized your top three financial needs, now add to them any financial wants.
An example of a financial want could be a sports car. There is no way anyone could need a Porche, but plenty of people buy them.
[Danger sign. If enjoying yourself, without caring about the future, is on your list, this site is not for you. Neither I nor anyone else can help you ensure that you will have food on the table when your grandchildren come to visit.]
The goals you pick will be a combination of your financial needs and your financial wants. In prioritizing the combined list of up to five items, you allow yourself some lattitude to work for items that are not essential, but add to the pleasure of our lives. As long as you are prepared to delay your gratification for wants, to come after needs, you can still make the grade. Chris de Burgh sings "I want it (and I want it now!)", on his new CD "Quiet Revolution," a splendid satire on the "now" generation.
If you are honest with yourself, you will have some financial wants that are not on your list of financial needs.
Unless you are open to changing the way you are going about financial matters, nothing will change in the results you are getting.
For most people, their goals will require or involve the accumulation of assets. Even if wealth is not in itself of interest to you (it is no guarantee of happiness) you will still need to achieve a minimum level of financial stability. If you will not be the recipient of a defined benefit pension plan, you will need to work hard to built a retirement nest egg.