While I am doing fine and have stuck towards my savings goals for the year, a year in the future, I’m really noticing how difficult it can be to save for tomorrow. I do put a lot of money away each month, and certainly my retirement savings has grown significantly, it still often feels like I’m treading water, barely moving the needle. Goals take time, and as this past year has shown, time goes by much quickly, and there never really is enough time.

My new job was a bit of a leap, it’s a bit scary jumping into the unknown, and there are definite tax disadvantages to me. But I’m working hard, and trying to do what’s best for my organization, so I can make new connections and fine ways to better myself. It gets tough to squeeze more out of my budget, but I can still definitely find ways to earn more money, and save more for tomorrow.

Saving alone won’t get me there, but it will help open options for better tomorrow. I need to continue to read and learn, think and expand my knowledge. I need to keep an open mind, always be focused on my future, and think more about what my options are. I have a lot more opportunities then many, and ultimately a lot of my future will be defined by what I choose.