Short Term Goal: paying for a concert ticket, buying new clothes, buying dinner at a restaurant, buying a PS5, paying your monthly rent, Intermediate Goal: saving for a down payment on a car, saving up for a rental security deposit, paying off a credit card you've had for 3 years, saving for a dream vacation , build an emergency savings fund, Long Term Goal: saving for retirement, saving for a college education, purchasing a house, paying off a car loan, starting your own business,

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