Sheila was shocked when she realized she had over $10,000 in credit card debt and was having to borrow from her retirement account to pay monthly living expenses. 

With the help of her advisor, Sheila wrote down and prioritized her goals.   Together, they developed a detailed plan for paying down debt and establishing regular savings.  They set a realistic date for achieving each of her goals.  By visualizing her dreams and using objects consistent with the dreams to remind her of her goals, Sheila was able to stay focused on her goals, pay down her debt, and build up her emergency savings.