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Ultimately you must build a monetary safety net like a private savings account or retirement investment. This may include saving to send your youngsters to varsity, purchasing a new automobile, saving for a down payment on a place, going on holiday, paying down high interest card debt, or planning for your retirement. These include short-term ( less than one year ), medium-term ( one to three years ) and long term ( five years or more ) goals. Surf the web's for i! nvestment internet sites and do not be scared to find out about the market. If you don't make an acceptable quantity of progress on a selected goal, re-appraise your approach and make changes as mandatory.