As the famous philosopher and hall of fame catcher, Yogi Berra once said, "If you don't know where you are going, you might wind up someplace else." Unfortunately, this is exactly how most people run their family finances.  The focus of your financial plan today should be on goal setting and developing such a compelling vision for your future that you can't wait to get out of bed in the morning and work towards that vision. A good starting point for goal setting is to think about how you'd like to spend your future time - the details of each day, week, month, and year.  Don't assume that you must punch the clock each day; developing the vision doesn't mean that you'll be starting next … [Read more...]