1. Work on your life goals
2. Know where the money goes
3. Spend less than you make
4. Maximize your employer's matching contributions
5. Build an emergency fund
6. Expand your approved list
7. Rebalance your portfolio
8. Review your banking relationships
9. Simplify
10. Freeze your credit file
11. Check out HARP
12. Write/update a will and health care directive
