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To help decide if something is worth spending money on                 Will it improve our safety? NO Will it improve the health of our environment? NO Will it decrease an expense? NO Will it decrease our debt? YES Do it. YES YES YES NO Is there a substitute that will work for the short term? Is there a substitute that will work for the short term? NO Label it 3 and add it to the financial plan. Will it improve our quality of life? NO Put it at the end of the financial plan. NO YES YES YES Label it 1 and add it to the financial plan Label it 2 and add it to the financial plan Label it 4 and add it to the financial plan. Is there a substitute that will work for the short term? YES Label it 6 and add it to the financial plan. NO       Label it 5 and add it to the financial plan.