Notes: Vision exercise: Dream on! look 1 yr into the future. Go back to brainstorm list you did in step 3 of 3 wins..What else will happen in the next 365 days with our money?( backed up by science, psychology)..step 1- set aside 45 minutes of Q, thinking time with pen and paper..mentally alert…write down the date, 1 year in the future…step 3 brainstorm everything that you would like to happen in a positive voice( already happened) ..step 4 consider WHY. Independent of spouse…I want to pay car off..why…because etc..why..