We make financial decisions every day. And all of those decisions are part of a bigger picture. This bigger picture is called a financial plan and allows one to reach their goals and reach then faster. Did I say goals? Yes, setting financial goals is the first step in making your money work for you efficiently. It sounds like a no-brainer: "You need to set a clear goal if you want to ever reach it". Yet, actually less than 5% of American families have clearly defined goals.

So, it's your birthday. As much as you hate to, you call you doctor to schedule a wellness exam because you know that reviewing everything from top to bottom will help keep you in great shape and catching a problem early is often as good as never having a problem at all. Believe it or not, wellness exams are not limited to health. Your financial health is just as important and examining it at every stage of life is essential to achieving a healthy and wealthy life.