Great advice! Particularly about mapping out a plan. How can you get where you want to go if you don't know where you are?
Thanks for the recommendation on Personal Capital, I'm seriously going to check that out. My wife and I have been using Mint for the last 5 yrs and I always recommend it to people trying to get a hold of their finances.
I'm always interested in better software though, so I'm interested to see what Personal capital can do.
I just like PersonalCapital because it puts the focus on investments over budgeting. If you are already set with budgets, the next step is to grow that money!