This week you will be creating a 3-part budget, where you identify and plan the meeting of your financial needs at the following stages of your life:

1) meeting current needs - currently married with 4 kids ranging from 13 - 23 and working full-time. Currently have a 28 year mortgage. Currently saving for retirement - have 4 growing retirement accounts.

2) meeting financial needs 10 years out - will be 53 - hoping to retire at 60. Last of kids will be through college and 18 years left on mortgage.

3) meeting financial needs at retirement and beyond - hoping to retire between 60 and 63 and live a simpler life and lots of travel.

Is this the info you are looking for?