Imagine waking, disoriented, in the middle of the desert.  You vaguely recall hearing of an oasis out in the wasteland, so you look to the sky, bravely pick a path and start walking.  Unfortunately, the story doesn’t end well.  Because you weren’t clear where you were when you started, you wander and starve before reaching your magical destination.  In your financial life there exists the same challenge.  Sun dials and prayer aren’t the solution.  You simply cannot meet your goals or gauge your progress until you have a clearly defined financial starting point to anchor your direction. Read more »