It is critically important that you contemplate how these goals and your new mindset will impact those around you. If you are married or have children, this might instigate a change in lifestyle. Where you used to spend freely, take them places and buy them things … suddenly you have become this money monster. You have cut off the money tree and they aren’t going to like it one bit. This is why you must get their buy-in on this new vision and game plan. They must see why you want to make these changes, and most importantly show them what’s in it for them. If they do not feel the same way about your mission to cut spending and use excess revenues to invest in the future, you will have one unhappy situation.