The first stage of the planning process is having complete clarity of Where You Are - what is your exact current financial position.  The process ONLY works when you have this stage covered.

When you call for a plane reservation to some desitination, the first question you are asked is "Where are you leaving from?"  Building a strategy that will work for you depends on knowing exactly from where you are starting.

In the world of personal finance, we are offering you the best tools and resources we know of to help you benchmark your current financial position.  Remember, honesty and clarity are essential here.   This is no time to lie to yourself or pretend everything is perfect.  Accept your reality as it is.  Only then can you move forward to Where You Want to Be.