During this course, we've been practicing new behaviors with money, and you are well on your way to establishing new habits, and I hope that you will make them lifelong behavior. Take the following guidelines and apply them to your personal financial situation. These six steps will give you a good start toward taking control of your finances. Start your journey of financial intelligence and responsibility right away.

1. Choose discipline and commitment.
2. Explore your belief system.
3. Take inventory.
4. Find balance.
5. Formulate a get-out-of-debt plan.
6. Focus on the future.

You've got this.