Since you have 5 kids, college funding might take priority. People without kids obviously wouldn’t have that list item. Here’s what I posted in my Facebook feed:
Ok – I need to make 2015 better than 2014. Physically, mentally, financially, musically.
workout at least 30 minutes a day.
Practice music(any instrument) at least 30 minutes a day.
Learn at least one new song per week(any instrument).
Read at least one non-fiction book per month.
Release 5 lbs(or more) per month.
Build a $10,000 emergency fund.
Get my house de-cluttered, and KEEP it that way.
Find a different career besides computers to be successful in.
Join(or start) a working band.