Take your life situation, personal values, and current economic conditions into account.  Consider how you feel about where you're currently positioned financially versus where your goals would take you in each of the categories you've considered.  Do you see particular deficiencies in one area?  Perhaps you should give this area special consideration. Remain practical.  Step-by-step plans will move you toward your goals without leaving you feeling frustrated or defeated by the scope of your agenda. An opportunity cost is what you give up when you make a choice.  Saving for that backpacking trip by giving up coffee shop visits might include sacrifices of time, planning, and the conversation you enjoy with your favorite barista. Gather as much research as you can, and carefully evaluate your data.  If you are considering an investment, for example, you should pay special attention to the correlation between risk and reward — how risky is the investment, and how much reward will you receive if it is successful?  Are the benefits worth the risks? Even once you've carefully completed your research, the parameters of your situation may change.  The economy may dip, lowering investment concerns.  The new job you opt to pursue may leave you personally or professionally unsatisfied.  Do your best and remember that you retain the ability to adjust your decisions later.
حدد الاستراتيجيات التي ستعتمدها لاستكمال خطتك المالية. تذكر أن كل الأهداف تنطوي على تكاليف الفرصة. ابحث القرارت المحتملة بشكل منهجي. تذكر أن عدم اليقين سيكون دائمًا جزءًا من الصورة.