“You don’t have to see the whole staircase, just take the first step.” ― Martin Luther King Jr. The first step is usually the hardest. However, you need to take the first step to live your best financial life. The longer you wait to establish your personal budget, the farther away your goals will be. Start by setting your money goals. Money goals include savings, investment, or spending targets that you hope to achieve over a given timeline. Money goals