Practical Steps Pay yourself first Focus on one goal Set easy goals Set up Your Bank Use texts for reminders Take free money Keep $400+ in cash Pay off credit cards Fix payments on loans to family members Prepare a budget & negotiate a payment plan Buy LTC insurance -- or self-insure Become Smarter Test your financial litearcy Test your investor literacy Build your investor literacy Take the Money Personality Quiz Improve Your World Visualize your future self Wait for the 2nd Marshmallow Build your support network