Plan B

📝 Post #3: Goals in Detail — Short-Term Goals: Where Plan B Is Headed

Travis W.

— 2 min read
📝 Post #3: Goals in Detail — Short-Term Goals: Where Plan B Is Headed

Published by Travis W.
Tags: Goals, System Vision, Real Life
Date: 13 November 2025

🎯 Short-Term Goals (Targeted for completion by August 1, 2026)

These are the short-term goals I want to reach by August 2026. The hope (experiment) is that Plan B, powered by AI, will help make them come true:

  • Build the Tuition Buffer — I need to save at least $3,000 by August 2026 to create a buffer for my son’s high school tuition. I also have a monthly payment for our family jet skis, and if I can pay this off by January 2027, those funds will be freed up to cover the expected tuition.
  • Reduce Debt Across All Categories — I was already on track to paying off our jet ski loan, but with AI support we identified a realistic payoff date (January 2027). Additionally, all loans (mortgage, Yamaha, student loans, etc.) were prioritized and triaged strategically, with interest rates factored into the reasoning.
  • Eliminate Smaller Debts Entirely — By clearing out low balances (Home Depot, Capital One) by March 2026, we simplify the system and free up extra cash.
  • Hit Monthly Surplus Targets — November’s $500 surplus is the benchmark for reallocating toward tuition or debt.

🏗️ Medium-Term Goals (1–3 Years)

These goals stabilize the household and prepare for bigger transitions:

  • Grow Tuition Buffer to $3,000 by August 2026 — enough to cover tuition spikes without relying on credit.
  • Fund Kid Accounts Consistently — $25 per child per paycheck, building long-term flexibility. In just two years, the kids will have a nice little stash of money (glad they don’t know about it yet, LOL). To be clear, we don’t know exactly what we’ll use the money for — but I’m sure the day will come when we find out! 🤞
  • Track and Audit Every Cycle — Plan B is an experiment. It’s not about following a rigid budget. I want unexpected real-life events and random spending documented to see how we can adapt in real time.

🌱 Long-Term Goals (10+ Years)

To be determined. I want to see how (or if) Plan B works out. However, some generic long-term goals may include:

  • Achieve Full Financial Independence — paid-off home, zero consumer debt, solid emergency fund.
  • Grow an Investment Portfolio — I don’t have one yet, LOL.

💡 Why Share This Publicly

I want to document this experiment to keep myself honest. I really want to see if AI can make my life better by assisting with my finances. This blog will maintain:

  • Transparency: Real bills, real paychecks, real stress tests.
  • Accountability: Posting goals makes them harder to ignore.
  • Relatability: Readers see how everyday choices (pumpkins, tickets, groceries) connect to long-term freedom.

🧑‍🔧 Builder’s Note from Travis
Some time in the near future I’ll have dashboards with my short-term goals to keep track of the progress. I’m still figuring out how to make this experiment visual. See you soon.

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