Make the Most of Medium-Term Goals
Some goals, such as retirement, are too far away to get excited about. Short-term goals aren’t enough to build the savings habit. This is the value of medium-term goals: they’re close enough to be motivating, but are also difficult enough that they require ongoing effort.
Consider saving for a trip to London or Hawaii next year. Or saving for a new car. I’ve found that saving for goals 18 months to five years in the future has been a great way for me to get excited about saving.
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