Benz suggests that everyone focus on the allocation of their 'time on Earth'. You might want to travel more to visit your parents as they age. Perhaps you are looking to retire from the workforce and spend a few more years at home with your children. Benz stated that achieving both short-term and long-term goals is powerful. "Saving to buy a first home is an important step in reorganizing your financial life. She said that this is especially true for young adults. "People in their 20s or 30s don’t identify with their 65 year-old selves," she said. The goal is to spend more time doing things that you love. Find out how your income is divided between investing and spending. How are you using your income stream? You can use the short term boost to pay for a vacation, save for a second house, or fund a sabbatical. This is especially true if you have a long-term retirement plan. Take into account tradeoffs. You might decide to hire a housekeeper instead of doing it all yourself. If you have more time to spend with family and friends, would it be worth it to hire someone? It could also be more costly, like deciding whether to purchase a larger home that requires more upkeep or a smaller one. Is your job well-paid enough to leave you with little time for other things? Find ways to save money now. A budget can be frustrating. Benz stated that spending cuts are the best way to make money. This could be a strong argument for you to retire or move to a less lucrative job.