As I begin the section on finances, I find that there is really only one place to start: making goals. It is also one of the most fun things to do. So, if you aren't having fun, then you are doing it wrong. This is your chance to dream big and imagine all of the best things for your life.

Grab a piece of paper. (After all, a goal not written down is only a wish.) Start thinking about things you want to accomplish or experiences you'd like to have or things you'd like to do.…