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SMART Savings Goals
1 / 7
SMART
Savings
Goals
S
SPECIFIC
Names
the
exact
account
,
purchase
,
or
outcome
—
not
a
direction
.
M
MEASURABLE
A
dollar
balance
you
can
check
on
any
statement
.
A
ACHIEVABLE
A
monthly
amount
the
current
budget
can
actually
carry
.
R
RELEVANT
Tied
to
a
decision
the
household
has
already
made
.
T
TIME
-
BOUND
A
calendar
date
,
not
"
someday
"
or
"
eventually
."
2 / 7
01
Savings
Goals
—
The
List
Ten
goals
in
priority
order
,
each
with
its
target
balance
,
current
balance
,
and
deadline
.
01
Emergency
Fund
Six
months
of
essential
household
expenses
,
held
in
a
high
-
yield
savings
account
.
$
18,000
by
Dec
31, 2026
02
Japan
Trip
2027
Cash
-
fund
a
15-
day
Tokyo
–
Kyoto
–
Osaka
trip
for
cherry
blossom
season
.
$
7,800
by
Mar
1, 2027
03
Home
Down
Payment
Reach
a
$
40,000
fund
that
,
combined
with
condo
equity
,
covers
20%
down
on
a
$
400,000
townhome
.
$
40,000
by
Jun
30, 2029
04
Vehicle
Replacement
Fund
Replace
the
2014
Outback
with
a
2021–2023
hybrid
SUV
,
paid
in
cash
.
$
18,000
by
Dec
31, 2028
05
College
Savings
(529)
Build
the
529
account
toward
a
projected
four
-
year
public
university
cost
.
$
30,000
by
Aug
2038
06
Home
Maintenance
Reserve
One
full
year
of
repair
and
replacement
costs
for
a
1,840
sq
ft
house
.
$
6,000
by
Sep
30, 2026
07
Insurance
&
Tax
Sinking
Fund
Pre
-
fund
annual
insurance
premiums
and
the
property
tax
shortfall
outside
escrow
.
$
4,200
by
Nov
15, 2026
08
Holiday
&
Gift
Fund
Cover
December
gifts
,
travel
,
and
hosting
for
14
family
members
without
credit
.
$
1,800
by
Dec
1, 2026
09
Sabbatical
Fund
Bank
ten
weeks
of
unpaid
leave
for
a
spring
2028
writing
residency
and
family
trip
.
$
12,000
by
Jun
1, 2028
10
Retirement
Catch
-
Up
Contribute
the
full
annual
Roth
IRA
limit
instead
of
2025'
s
partial
contribution
.
$
7,000
by
Dec
31, 2026
3 / 7
02
Each
Goal
in
SMART
Detail
The
same
ten
goals
,
restated
with
the
specific
,
measurable
,
achievable
,
relevant
,
and
time
-
bound
criteria
spelled
out
.
01
Emergency
Fund
$
9,000
→
$
18,000 ·
$
750/
mo
SPECIFIC
Build
a
six
-
month
reserve
covering
mortgage
,
utilities
,
groceries
,
insurance
,
and
transportation
—
$
3,000
of
essential
monthly
expenses
.
MEASURABLE
Balance
reaches
$
18,000
in
the
high
-
yield
savings
account
at
4.10%
APY
,
verified
against
a
$
9,000
opening
balance
on
January
1, 2026.
ACHIEVABLE
Requires
$
750
per
month
—
about
6.6%
of
take
-
home
pay
—
transferred
automatically
on
the
3
rd
of
each
month
.
RELEVANT
This
is
the
first
line
of
defense
.
It
keeps
a
layoff
or
a
$
6,000
medical
bill
from
landing
on
credit
cards
at
22.9%
APR
.
T IME
-
BO UND
Fully
funded
by
December
31, 2026,
with
a
balance
checkpoint
at
the
end
of
every
quarter
.
02
Japan
Trip
2027
$
0
→
$
7,800 ·
$
560/
mo
SPECIFIC
Cash
-
fund
a
15-
day
trip
to
Tokyo
,
Kyoto
,
and
Osaka
in
March
2027
for
cherry
blossom
season
.
MEASURABLE
$
7,800
held
in
a
dedicated
travel
account
,
covering
flights
(
$
2,340), 13
nights
of
lodging
(
$
3,120),
rail
passes
,
food
,
and
activities
.
ACHIEVABLE
$
560
per
month
for
14
months
,
beginning
February
2026,
with
no
change
to
the
base
budget
.
RELEVANT
Travel
without
financing
is
a
standing
household
rule
.
Paying
cash
keeps
the
trip
from
adding
to
consumer
debt
.
T IME
-
BO UND
Flights
and
lodging
booked
by
November
2026;
full
balance
funded
by
March
1, 2027.
4 / 7
03
Home
Down
Payment
$
12,000
→
$
40,000 ·
$
700/
mo
SPECIFIC
Reach
a
$
40,000
down
payment
fund
for
a
$
400,000
townhome
in
the
Maplewood
school
district
.
Combined
with
$
40,000
of
equity
from
the
current
condo
,
this
covers
the
full
20%
and
avoids
PMI
.
MEASURABLE
$
40,000
in
a
dedicated
high
-
yield
savings
account
,
held
entirely
separate
from
the
emergency
fund
.
ACHIEVABLE
$
700
per
month
for
42
months
,
plus
any
performance
bonus
above
$
2,000,
applied
directly
to
principal
.
RELEVANT
Buying
in
2029
moves
the
household
before
the
second
child
starts
kindergarten
in
September
2030,
and
a
20%
down
payment
avoids
roughly
$
190
per
month
in
mortgage
insurance
.
T IME
-
BO UND
Funded
by
June
30, 2029,
with
a
market
and
price
-
ceiling
review
every
January
.
04
Vehicle
Replacement
Fund
$
3,600
→
$
18,000 ·
$
400/
mo
SPECIFIC
Replace
the
2014
Subaru
Outback
with
a
2021–2023
hybrid
SUV
,
purchased
outright
with
no
financing
.
MEASURABLE
$
18,000
in
the
vehicle
fund
—
the
current
midpoint
of
the
local
market
range
for
the
target
model
and
trim
.
ACHIEVABLE
$
400
per
month
for
36
months
,
plus
a
single
$
1,500
transfer
from
the
annual
March
bonus
.
RELEVANT
The
Outback
passes
175,000
miles
in
2028.
A
cash
purchase
avoids
a
60-
month
loan
at
roughly
$
520
per
month
.
T IME
-
BO UND
Fully
funded
by
December
31, 2028;
purchase
decision
made
by
March
2029.
05
College
Savings
(529
Plan
)
$
4,200
→
$
30,000 ·
$
250/
mo
SPECIFIC
Build
the
529
account
toward
a
four
-
year
public
university
cost
,
currently
projected
at
$
130,000
for
a
2038
enrollee
.
MEASURABLE
Account
balance
tracked
against
a
$
30,000
interim
target
on
the
quarterly
statement
from
the
plan
administrator
.
ACHIEVABLE
$
250
per
month
contributed
automatically
,
plus
the
state
income
tax
deduction
on
529
contributions
up
to
$
10,000
per
year
.
RELEVANT
A
$
30,000
balance
at
age
18
reduces
projected
student
borrowing
by
roughly
a
quarter
of
the
total
projected
cost
.
T IME
-
BO UND
$
30,000
reached
by
August
2038,
with
an
interim
target
of
$
16,000
by
August
2030.
5 / 7
06
Home
Maintenance
Reserve
$
3,600
→
$
6,000 ·
$
270/
mo
SPECIFIC
Hold
one
full
year
of
repair
and
replacement
costs
—
roof
inspection
,
HVAC
service
,
water
heater
,
and
exterior
paint
.
MEASURABLE
$
6,000
in
a
dedicated
savings
account
,
equal
to
roughly
1.5%
of
the
home
'
s
$
398,000
appraised
value
.
ACHIEVABLE
$
270
per
month
for
nine
months
,
on
top
of
the
$
3,600
already
set
aside
.
RELEVANT
Prevents
a
$
4,000
HVAC
failure
from
landing
on
a
credit
card
in
the
middle
of
the
year
.
T IME
-
BO UND
Fully
funded
by
September
30, 2026,
ahead
of
the
fall
service
season
.
07
Insurance
&
Tax
Sinking
Fund
$
1,200
→
$
4,200 ·
$
300/
mo
SPECIFIC
Pre
-
fund
the
annual
homeowners
and
auto
insurance
premiums
and
the
property
tax
shortfall
not
covered
by
escrow
.
MEASURABLE
$
4,200
accumulated
—
$
2,150
for
insurance
premiums
due
in
February
and
$
2,050
for
the
tax
gap
.
ACHIEVABLE
$
300
per
month
for
ten
months
,
beginning
February
2026.
RELEVANT
Paying
premiums
in
a
lump
sum
is
8%
cheaper
than
the
monthly
installment
plans
offered
by
both
carriers
—
a
saving
of
$
172
per
year
.
T IME
-
BO UND
Funded
by
November
15, 2026,
well
before
the
December
renewal
notice
arrives
.
08
Holiday
&
Gift
Fund
$
300
→
$
1,800 ·
$
150/
mo
SPECIFIC
Cover
December
gifts
,
travel
,
and
hosting
for
14
family
members
without
using
credit
.
MEASURABLE
$
1,800
in
a
separate
sinking
account
,
tracked
against
a
written
gift
list
with
per
-
person
limits
.
ACHIEVABLE
$
150
per
month
for
ten
months
,
starting
February
2026.
RELEVANT
Eliminates
the
December
credit
card
balance
of
roughly
$
1,200
the
household
carried
in
both
2023
and
2024.
T IME
-
BO UND
Fully
funded
by
December
1, 2026,
before
the
first
gifts
are
purchased
.
6 / 7
09
Sabbatical
Fund
$
0
→
$
12,000 ·
$
400/
mo
SPECIFIC
Bank
ten
weeks
of
unpaid
leave
for
a
spring
2028
sabbatical
—
a
writing
residency
and
a
family
trip
.
MEASURABLE
$
12,000,
equal
to
ten
weeks
of
the
household
'
s
essential
expenses
at
$
1,200
per
week
.
ACHIEVABLE
$
400
per
month
for
29
months
,
held
in
a
money
market
fund
currently
yielding
4.05%
APY
.
RELEVANT
Protects
the
emergency
fund
from
being
spent
on
the
sabbatical
,
making
the
leave
genuinely
restorative
rather
than
financially
stressful
.
T IME
-
BO UND
Funded
by
June
1, 2028;
leave
formally
requested
from
the
employer
no
later
than
January
2028.
10
Retirement
Catch
-
Up
(
Roth
IRA
)
$
0
→
$
7,000 ·
$
583/
mo
SPECIFIC
Contribute
the
full
annual
Roth
IRA
limit
for
the
2026
tax
year
,
rather
than
the
partial
$
3,400
contributed
in
2025.
MEASURABLE
$
7,000
contributed
before
the
filing
deadline
,
confirmed
against
Form
5498
from
the
custodian
each
May
.
ACHIEVABLE
$
583
per
month
,
automated
on
the
5
th
,
funded
from
the
base
budget
rather
than
from
bonus
income
.
RELEVANT
Adds
roughly
$
31,000
of
tax
-
free
growth
over
25
years
at
a
7%
assumed
annual
return
.
T IME
-
BO UND
Contributions
complete
by
December
31, 2026;
absolute
deadline
April
15, 2027.
7 / 7
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