I actually wasn’t going to do financial goals just because I hate the topic of money, but it wouldn’t really be plausible for me not to have any finance goals before I turn 30. Money and finances coexist with everything else in life, so best to just get it all out there.

Also, before I get on with the list I didn’t want to do this list mostly because a lot of this stuff is stuff I can’t check off until I turn 30 and it’s more of the long-term goals that blend in together. Which are good, but with lists I just wanna cross everything out and be done. That won’t be the case for this one, as it seems like it is more my financial plan.

Financial Goals: 

1. Budget
   • Probably the most common financial goal because everyone needs to focus on their spending. I will say that my budget as a whole is actually not too bad, but I intend to rein it in and do some analysis and see where I should be focusing to get to where I wanna be by 30.
2. Savings
   • Always smart to have money saved up for big purchases such as a home or traveling and at this current time I don’t have much in savings. Which is why it’s on this list so I can actually get saving within my budget and from there I will hopefully get a solid cushion of money in savings.
3. Start Investing
   • With that lovely savings because just hoarding money isn’t fun and I really want to experiment with investing and markets. In order to do that I need money that isn’t going to be too risky and won’t harm me financially if it all goes bad.
4. 800+ Credit Score
   • I don’t think this is something I can maintain long term, but I would like to hit an 800+ credit score just for the bragging rights to say I have a credit score over 800.
5. Passive Income
   • The plan is to essentially have enough passive income that will cover my living expenses that way it will never be a worry.  But before that can happen I will need to find a way to establish passive income and let it grow on the side.
6. Financial Freedom
   • This is where my passive income will hopefully come into play as well  if I have done it successfully. If not I can assume I tried it and still can count that as completing that item. But as for this it’s going to be a big reach and a lot to do in my 8 years until 30. I want to get to a point in my life that I won’t have to worry about living expenses or splurging on a last-minute trip. I’d like to do some of my best and profitable work in my 20s and then just allow whatever I do to grow for the rest of my life.
7. Pay off all Debts
   • At this point in my life my debts are actually low, but since I still have quite a few years to accumulate debt I can’t really consider this done until 30. The main focus will be trying to keep low debt even on bigger purchases or loans that way I am managing debt and not drowning in it.
8. Proper Accounting
   • So here is something odd, a lot of the work that I do is accounting and financial business. The thing is I was more thrown into it and I don’t actually have proper training. I came in to a business and it was a learn as you go experience and I worked with some people who showed me the essentials and then they were like be free. I need to get to a point that I know what I’m doing.
9. Start my own business
   • I’ve done some freelancing and I currently have businesses with my family, but I don’t want either of those to qualify as solely mine. I guess the freelancing can be considered just mine, but at the time I felt more like I was hobby freelancing just to feel it out and it just didn’t feel like a business. Honestly this is something that I am not sure will be successful because though I have businesses those were already mostly created when I came into them. So, for my own I really want to experience starting from scratch, coming up with an idea, fulfilling that idea, and see if it works and to see if I have a little entrepreneurship in me. And if it fails completely then I am assuming I will have learned exponentially from it, so it’s a win/win.
10. Own a Home
    • This is the simplest way I’m phrasing this because the full goal is not only own a home, but find the ideal place for me to live. Financially you have to buy the house, but before that I will need to live somewhere that suits me financially, morally, emotionally, etc. I don’t know if I intend for this home to be the home that I’d like to have for the rest of my life, but I kind of would like to find a place that I would keep forever. If not living in it forever, but then keeping it to rent or something.