<prompt> Human: rpersonalfinance had a great 2014 goals thread last year, so lets do it again this year. Forcing yourself to write out a specific goal or two can be a huge motivation to help you actually achieve those goals. What are your goals for 2015?Note: SMART goals are recommended.  <response>: This post will trigger massive emotions at the end of the year regardless of how successful I am or what happens to the family in the meantime. Hope I dont regret this.Hey Future uCJPi, its Past uCJPi. Youll be a 29 when you come back here so lets round out this decade in style before we apparently hit our stride in our 30s. Hope the wedding and honeymoon were great minimal drama, nice photos and video from the day. More importantly, hope Dads surgery goes well. When all the dust settles from those two items, the next task is to work on the relationship with Mom because shes not going anywhere and were only on this planet once, so we need to make the best of what were given in life. Youre older and wiser than me so you already know that.rrelationships advice aside, you better get this s done by 1231: Max your IRA for 2015, no excuses. You did it in 2014 with higher debt. Max that HSA If the job is still tolerable, get as close to maximizing the 401k as you can. If its not and you quit just before qualifying for at least a quarter of the vested amount, youre an idiot. You wont do that though, I know you. If you do have a different job in the second half of 2015, dont lose momentum and take advantage of whatever retirement benefits they have. Id list something concrete here if I knew what the future held. Keep up the habit of budgeting. Im sitting here on 11 spending a solid day getting YNAB set up to make it easier on you and I dont want to come back and realize I wasted a perfectly good Thursday. There needs to be graphs showing significant progress. They will be posted here next year. Because youre budgeting, you cant spend so much on eating out. Starbucks is, no matter what we tell ourselves, eating out. Pay at least 50 of the loan back to parents 12k of 24k Combine powers with the fiance now husband and destroy his higher-interest loans 23k Set aside enough money for the Subaru. Youre 29, female, middle class, raised in Colorado. Its okay to have a Subaru. 