Clear, measurable goals turn ambition into action. Use a mix of short- and long-term objectives to create a roadmap for where to direct savings and investment dollars.

Short-Term Goals (1-5 Years)🔗

• Build an emergency fund covering 3–6 months of expenses.
• Pay down high-interest debt (credit cards, personal loans).
• Save for near-term purchases like a car or home down payment.

Long-Term Goals (5+ Years)🔗

• Achieve retirement savings targets and consider tax-efficient vehicles.
• Fund education for children or build generational wealth.
• Plan for major life transitions (early retirement, career change).

SMART Framework & Prioritization🔗

Frame each goal to be Specific, Measurable, Achievable, Relevant, and Time-bound. Prioritize by urgency and impact—address short-term liquidity and high-interest debt first, then shift surplus to long-term growth.

Finster’s Role: Share your goals with Finster for prioritized action steps and sample timelines tailored to your income and risk profile.