It’s easy to lose track of our financial goals. This annual check-in is a guide to reflecting on your progress and seeing if your spending and saving have truly aligned with your values so far this year.

In the final part of this series, the focus shifts to the ultimate goals. This post defines the numbers that complete the dream: the "Key Bill" passive income that covers a major expense, the Financial Independence (FIRE) number that makes work truly optional, and the “Big Dream” fund.