A goal without a plan will remain a dream without a reality. On this week's show, we talk about the importance of clearly defining your goals and the small differences that define why some people succeed while others procrastinate. Using a variety of practices, like SMART (Specific Measurable Achievable Realistic Timely) and project management Apps and systems, Rich and Marcus share how they've defined their 3- to 5-year plans and the lessons learned from past successes (and failures). Tailor to your needs, because in the end, the best plan is the plan that works. Topics covered on this week's show:

• The Side Hustle Account - How Rich uses multiple accounts to clearly define and track his financial goals for the year and how much money he has available to allocate to each.
• Using Credit Cards to Make You Money - We talk about the importance of finding a credit card that matches your lifestyle. Used responsibly - paid in full each month - some credit card points and rewards might even save or make you money during the year.
• Long-Term Monies - Once you've got your financial affairs in order it's time to start thinking about investments, retirement, and other personal finance needs. We share the steps we plan to take with our (employer-sponsored) 401ks for 2018 and beyond.
• Enjoy the Journey - Lastly, as we discussed on PB78: Her Money Matters with Jen Hemphill, what good is money if you don't enjoy it? We end with a discussion on how P&B plans to give back after using our 20s to learn, 30s to apply, and 40s to teach and pay it forward.

What are your money and life goals for 2018 and how do you plan to achieve them? Let us know in the Apple Podcast reviews or ASKPB if you need more help planning your plan.

Sponsors:

• LinkedIn Learning - Get a free 30-day trial of online courses galore by clicking here.
• Health IQ - An insurance company that helps health-conscious people get lower rates on life insurance.  Go here to support the show and see if you qualify.