Where we are:
BS1 - $1,000 baby emergency fund - CHECK
BS2 - $84,857.84 in debt (variety)
BS3 - 3-6 month emergency fund - need to calculate what that will be when we don't have BS2.
BS4 - 15% to retirement. DH has retired. We have his retirement pension and deferred comp (over $360K) for the future. I have 5 years until I'm eligible.
BS5 - College. We have prepaid tuition for both children who are both in college. They have limited scholarships. One is self-sufficient, one is starting out and needs additional funding for the first semester while he gets a job to earn for second semester expenses not covered by scholarships.
BS6 - Mortgage - no mortgage - CHECK
BS7 - Create wealth - get here while there's still time!
We are at a point of transition so no more waiting around hoping things will work themselves out. Habits change. Be serious about this. Really. Accountability. Don't do more STUPID. Actively work to fix this.