There are many ways to reduce spending and control where your money goes. People often are surprised at what they can accomplish when they put their minds to it. So don't be afraid to set goals that stretch you a bit. After all, the purpose of Money 2000 is to help people accomplish more with their money than they have in the past. State exactly what you hope to achieve.
Timing is everything.
But that is a vague goal. If they say they want to go to Florida in the winter, that would be more specific. Being specific about the goal lets them effectively plan how to reach the goal. Only the totals from columns 2 and 3 will be transferred to the Money 2000 enrollment form. Most people have many goals.