Because of this, Alice believes that over the next five years she will have paid off her loan and can then start saving more money for her next goal. Her long-term goals are realistic because Alice understood that she needed to delay accumulating assets until she cut spending. The best solution is to get a second job, which may be a small step, but a solid one in that she can find a better choice in the future, which of course allows for less risk. (Realistic) By having a second job, it will be easier to think about saving money because she will be able to control her spending and she will definitely think that her next steps will be less anxious. This is a big opportunity for Alice, because she is still single and, within the next ten years, she is more than sure to be debt free or reduced. By putting her priorities in order, she will manage to save money for her children, which is the most important obligation as a parent, and she will then be able to realize her dream of sailing around the world.