Not only having, but enforcing good spending and savings habits as well as understanding your investment and retirement needs will only ensure a happy and healthy lifestyle. I have learned over the last 8 weeks that I had a decent plan but had much needed room for improvement. My current financial situation lacked a quality and realistic budgeting plan that enabled me to save and reduce, reoccurring, debt. To fix this I have simply constructed a new budget that will allow me become debt free in about 8 months by applying some of those lazy dollars along with my current payments. However once one debt is paid for in full I will take the money that was paying that debt and apply it towards another one, which in turn helps get rid of all those bad investments into credit card companies. All the while, as I stated in week 5, every 6 months I will continue to call my insurance company to keep updated on all insurance policies. Making this a priority do to the fact that it has seemed that every time I call I am either missing coverage or lack thereof or am paying for coverage I don’t need. Consistency and things I personally can affect is the road path that I chose to take. This is why I am not willing to invest mass amounts of money in the stock market, I can see playing with small amounts to try and get the fill for it, but I don’t have the knowledge to strategically invest and don’t see the point in hiring an investor to manage my portfolio unless I think that I will get returns that are substantial. All this makes me find other alternatives to investing in myself, like buying a home. There comes that time in your life that you must chose where you want to be when you retire, whether it be financially or even geographically. I have now made choices to better benefit me and my family financially. This includes that “Number” and how I am going to get there.