This has been a lengthy course on personal finance. If you have completed all of the previous sections, you have spent over forty hours getting your personal financial house in order, and you have dedicated even more time as you have been working on your financial plan. The purpose of this last section is to help you realize that your financial future begins now and that there are critical decisions that you need to make today. As you come to understand these important topics, you will be better prepared to achieve your personal and financial goals. This section also serves as a review of the topics we have discussed in this series. The topic for this section is taken from a talk by President Spencer W. Kimball in which he said the following:

We hope we can help our young men and young women to realize, even sooner than they do now, that they need to make certain decisions only once. . . . We can push some things away from us once and have done with them! We can make a single decision about certain things that we will incorporate in our lives and then make them ours—without having to brood and re-decide a hundred times what it is we will do and what we will not do. . . . My young brothers [and sisters], if you have not done so yet, decide to decide! (“Boys Need Heroes Close By,” Ensign, May 1976, 45)

After all the work you have completed thus far, the challenge is now to “decide to decide.” What are the important decisions that must be made now to help you achieve your personal and family goals?

When you have completed this section, you should be able to do the following:

1. Realize that your future begins today.
2. Understand some of the key decisions you must make to be truly successful in life.
3. Learn about resources for additional readings on the subject of personal finance.

You can make important decisions now that you will never have to question again. From the inspired words of President Kimball, “decide to decide!”