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Goals

Give each goal a monthly amount and it sets that money aside first, like a bill; then Safe-to-Spend™ is calculated from what is truly left. Saving stops being the thing you get to only if the month goes well.

iPhone, Goals, and starting one
iPhone, the goal page: Add money
Amppfy iPhone app, the Goals screen with the Emergency fund and Portland trip rings and the next milestone for each
iPhone, a ring and the next milestone for each goal

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