WORKSHEET 14-MONTHLY SAVINGS NEEDED TO REACH MY FINANCIAL GOALS Financial goals must be specific in terms of dollar amount, time, and the interim short-term goals that will lead to their achievement. Effective financial planners write their goals down. This worksheet provides a mechanism for you to compile your goals. You then can build your monthly savings needed to reach the goal into your budget (see Worksheet 17). An interactive calculator that performs this same procedure can be found on the Garman/Forgue companion website. (Use with Personal Finance, 13th edition, pages 92-93.) Mu Finanfial fanale Warkehaaf