Creating Goals Is a “Wealthy” Habit (Refer back to part 1 for “Wealthy” vs. “Poor” habits.)


Goals are specific, measurable tasks or activities in which you, (individual/family), will engage. There is no limit to the number of goals you may or should set. There should be a combination of both long-term and short-term goals. Goals should address both needs and wants. Ideally, each goal will have two or three alternative ways of achieving it.

Plan now for a GREAT 2022

Create a Plan

It’s hard to thrive spontaneously. You need to plan how you are going to thrive. The steps to success are:

  • Get Clear.
  • Get Confident.
  • Get Excited.
  • Get Focused.
  • Get Committed.
  • Get a Game Plan.
  • Check and Adjust with a mentor/coach

As you seek clarity, take an honest assessment of your habits. Those with rich habits will thrive. Those with poor habits will survive – just barely.

Fuel prices are soaring to record highs amid natural gas, oil, and coal supply shortages which are expected to last through the winter. Home heating costs in the coming months are expected to be much higher than last year. In addition to wearing sweaters indoors, sealing leaky windows and doors, hanging heavier window coverings, replacing dirty heater filters, and making smarter decisions about energy usage, some people are considering becoming their own energy producers by installing small wind turbines and/or solar panels on their homes.



On August 6th, the Education Department announced they will extend student relief for millions of Americans. In what the department is calling the final extension, the moratorium on federal student loan payments, initially instituted by the Trump administration in March 2020, will now continue through January of 2022.

The FCRA permits credit bureaus to list positive information on your credit report indefinitely. Accurate negative information, such as a late payment or an account turned over to a collection agency, can remain on credit reports for 7 years. Bankruptcies may remain on credit reports for up to 10 years. Unpaid tax liens may remain for up to 15 years.

Good employees are a company’s most valuable resource. They also have the potential of being the greatest liability a business has. Increasing numbers of employers are utilizing data bases to access records revealing an individual's most personal secrets to help them select the best possible employees.