The French writer and poet Antoine Marie Jean-Baptiste Roger said, “A goal without a plan is a wish.” Aside from not knowing who that guy is, he had a point. Without a plan for achieving your goals, you will only accomplish them through pure luck if you accomplish them at all. This is an arbitrary strategy. With the tepid economy, high unemployment and increased costs for everything competing for your hard-earned dollars, not having a plan can guarantee financial failure and that sucks. 

Continuing with our rocks, pebbles and sand analogy from Monday, today we will discuss your pebbles or short-term financial goals and how they relate to your long-term goals. Just as Mariah Carey supports Nick Cannon, your short-term financial goals support your long-term financial goals.