1. Set your goal
    Be as specific as possible. Where will you live? What type of home? Family? Cars?
  2. What will that take?
    How much money will you need to have available to support that lifestyle?
  3. When do you want it?
    By the time you are 45? 55?
  4. Now the tough one... Are you on the right path to get what you need (see 2 above) in the timeframe you set (see 3 above)?
  5. If so... Celebrate!
  6. If not... Change your goal (boo). Change your timeframe (booo). Or change your path (the hardest but best answer).