Days 82–85 of 90 · EXPAND · Week 12: Build Your Next 12 Months
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Why Twelve Months
Choose a horizon long enough to matter.
About 23 minutes
Learn
A month is too short for structural change; five years is too far to plan concretely. Twelve months holds both realism and ambition.
Five goals — savings, debt, income, investing, spending — cover the whole picture without fragmenting attention.
Each should be specific enough to be checked.
Do
Write the five areas and one rough intention for each.
Reflect
What would make the next twelve months feel like progress?
Day 83
Your Savings Goal
Set one measurable savings target.
Learn
A good savings goal names an amount, a destination and a date.
Base it on your Week 5 buffer work and your current contribution rate.
Achievable beats impressive.
Do
Enter your twelve-month savings goal in the roadmap tool.
Reflect
Is this goal achievable at your current contribution rate?
Day 84
Your Debt Goal
Set one measurable debt target.
Learn
A debt goal can be a balance cleared, a total reduced, or a rate lowered.
Use your inventory and chosen strategy from Weeks 6 and 7.
Name the specific account where possible.
Do
Enter your twelve-month debt goal in the roadmap tool.
Reflect
Which account do you most want to see at zero?
Day 85
Your Income Goal
Set one measurable income target.
Learn
An income goal should connect to the route and next action you chose in Week 9.
It can be an amount, a role, a rate, or a completed skill milestone.
Include the step that makes it possible.
Do
Enter your twelve-month income goal in the roadmap tool.
Reflect
What has to happen first for this to be possible?
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