That’s amazing! Making up your mind to get started is the biggest hurdle. The first thing you need to do is get on a budget. That means you write down your income and all your expenses—yes, everything—before the month begins. If you’re married, include your spouse in this planning. You need to be on the same page. Then give every dollar a job to do. If you’re married, include your spouse. You need to be on the same page. We’ve got a free budgeting tool that makes it easy! Once your budget’s in place, you’ll be ready to start walking through the plan—what we call the 7 Baby Steps.
