Chapter $19$ pertains to business needs for financial management. But, what about your own personal $($or family$)$ needs for financial management? What are some of the parallels and differences between business and personal financial management?

Chapter $20$ pertains to personal finance and investments, including starting off with setting goals. Do you personally set goals? What is one long, medium, or short financial goal that you have set or would like to start with? After giving some thought, please share the first step you will take over the break to accomplish one of these goals.