This is what I sent him as an example of what I was looking for, even though the article by dave ramsey did have an example, knowing DH he got frustrated and never go past the first paragraph of the article. I did tell him these were not mine just an example of what I was looking for.

MY EXAMPLE TO HIM.

Short term Goals (one year or less)
* 3 Month Expenses Emergency Fund
* New Tires
* New Bed
* Finish Basement

Mid Term
* 6 Months Expenses Emergency Fund
* Build Deck
* NEW 2010 Camero
* World Wide Cruise Vacation
* Build a Storage Shed

Long Term
* 12 Month Expense Emergency Fund
* Mortgage Paid off early 2033
* Retirement funds (15,000 yearly to live off of once retired)
* Retirement AGE 65
* College Account SON
* NEW BMW Convertible

What I got back from him:

wow, that looks great. lets go with that. just joking. i have never really thought about this, so here are some things. i do agree with a few of your things so i left them in.

Short term Goals (one year or less)
* 3 Month Expenses Emergency Fund
* school
* New Bed
* Finish Basement
* a set of weights for the basement (free weights or a cable system)
* computer building business, probably be able to start for 300$ or less.
* buy a smoker.


Mid Term
* 6 Months Expenses Emergency Fund
* school
* NEW 2010 Camero
* trip to europe or australia
* Build a Storage Shed
* Build Deck
* start a garden
* finish garage (cabinets, workbench, air compressor, Refrigerator)


Long Term
* 12 Month Expense Emergency Fund
* a nicer house
* finish school, possibly go for masters in computer science.
* Retirement AGE 65
* College Account Son
* fishing boat or canoe


** I have made a spreadsheet combining ALL of both of our goals and leaving them in the time lines they are in. Now to figure out how to get DH to work so he can help make these goals happen.

I put the list in order by what I would like to see them accomplished and sent it to him to ask him to put the list in his order. We will see if the Camaro stays the second to last on the list of mid term goals or if it gets moved above retirement savings.

I had 2 20K NEW cars on the bottom of my long term list but it has been changed to one 20K new car for Me on the bottom of the long term goals and the 2010 Camaro for DH second to bottom of the mid term goals. Why is the 2010 Camaro second to bottom? Because I value a car more than a vacation to Europe or Australia. A Car can take you to work and the grocery store. Besides If I was picking the Vacation it would be something like a Cruise or Hawaii, But I would place a Vacation as a long term goal not a mid term goal.

I also have NO idea what he means by a nicer house; We have a house assesed at a replacement value of 209K that is less than 3 year old that was custom built and the average house in this city cost 171K. It is a four bed 2 3/4 bath. I am really stumped by that one but I asked him to explain.