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Do you set long and short term goals for your finances? Not anymore really. We used to when we were paying off debt, but since we're past that point, at this point we do our budget each month and whatever is left over goes into the savings account. That amount changes each month depending on my medical bills, car registration, etc. But our goal is to always put SOMETHING into savings each month. Our long term goal is to have 12 months worth of bills in the savings account in cash in case anything ever happened.