I'm happy in my apartment. Finally living on my own. However I feel like I focus on financial goals too much and that I need to focus instead on what I would do with the money if I had it and work toward that instead.

Like I need to buy a newer car. So I will take the steps necessary to do that. Pay down debt, build savings for down payment. Start looking for what type of car and price, etc.

So my next goal is to buy a car.