What areas do you think need improvements (e.g. increase savings, stop discretionary spending, use coupons and wait for sales more, get a second job, get better at delayed gratification, move in with my parents, etc…) and what techniques have your learned in order to accomplish that?

Tell me how you plan on getting from your current situation in order to achieve your short term goals, then what you plan to do after you achieve it. Afterwards go on and tell me about your career plans.What are your intermediate goals, how do you plan on achieving it, what obstacles are there? What are your long term goals, how are you planning on achieving it, what obstacles are there? Any alternative plans?Are you planning to get married? Have children? How many children? Being a stay-home parent? Buy a house somewhere? A few horses instead? Retire in Florida because of taxes?Provide a detailed explanation on your past, or current cash flow, what your future cash flow will hopefully be like. What areas do you think need improvements (e.g. increase savings, stop discretionary spending, use coupons and wait for sales more, get a second job, get better at delayed gratification, move in with my parents, etc…) and what techniques have your learned in order to accomplish that?Use what you’ve learned in class,(and out of class…if necessary) in order to create your financial plan. Include a budget, savings plan, banking and investing, credit cards, identity theft awareness, taxes, loans, insurance (life, auto, home, disability, long term care), retirement, estate planning, things that you learned from guest speakers, classmate presentations…etc…What are your backup plans? ( Plan alternative routes to accomplishing your goals or dealing with challenging circumstances).Your personal analysis and conclusion.You can make something up based on my current situation, I am a college student with little to no income who plans on working a city job with a pension when I retire.Just be sure to be specific and detailed about each plan.Times new Roman font size 14Sent as a pdf fileTHINGS TO INCLUDE:Goals,budgets, and cash flowsInvestmentsRetirement plans (pension when I retire from being in the FDNY (fire department of NY)In my order summary I put the guidelines, all the questions the professor would like to be answers are listed. It is to be written in times new Roman 14 point font.