For this reason Alice believes that in the next five years she would pay off her loan and then she can start saving more money for her next goal. Her long-term goals are realistic because Alice has realized that she must delay accumulating resources until she has cut expenses. The best solution is to get a second job, which may be a small step, but it is solid from the point of view of being able to find a better choice in the future and this obviously carries less risk. (Realistic) By having a second job, it will be easier to think about saving money since he will be able to control his expenses and he may certainly think that his next steps will be less anxious. It is a great opportunity for Alice, since she is still single and in the next ten years she is more than sure that she will no longer have debts or that they will reduce them. By putting priorities in order he will be able to save money for his children, which is the most important obligation as a parent, and then he will be able to realize his dream of sailing around the world.