Developing a set of structured and deliberately formulated financial plans is very useful in achieving financial success and security. Which of the following actions would you recommend to someone thinking about engaging in financial planning?
Answer in yes or no.

1. Be patient when investing for the long term.
2. Carry over your credit card balances from month to month.
3. Make short-, intermediate-, and long-term financial goals.
4. Follow the adage, pay yourself last, after all your other bills are paid.