Hi, friends! Happy Monday! Time for this week’s year of Wooden challenge, wrapping up our last week of April before we transition into May…

• January: Drink deeply from good books.
• February: Make friendship a fine art.
• March: Help others.
• April: Build a shelter against a rainy day (financially).

Last week, the challenge was to make a small change of habit that results in more money in your savings account. When I was working as a graduate student teacher at Purdue, my paycheck was deposited into my checking account automatically each month, and I began immediately transferring a couple hundred dollars into my savings account. And as a result, my savings grew steadily each month.

Now that I’ve graduated and stopped working at Purdue, I’m working as a freelance writer and editor and don’t have a paycheck automatically deposited into my checking account each month. So for this week’s challenge, I’ve made a small change of habit of depositing a quarter of the checks I receive into my savings account instead of my checking account.

For this final week of April, the challenge is to make a financial goal that you want to accomplish this year and an action plan to achieve it. My goal is to put $1,000 into my Roth IRA by the end of the year, which means I need to save $20 a week, or about $85 a month.

I’ll leave you with this quote from Coach Wooden that always inspires me:

Question of the day:

• What is a financial goal you have for this year?
• What steps might you implement to achieve this goal?