4. Are there specific financial goals you’re working towards and what is your action plan to achieve this?

As an AI, I don't have personal financial goals. However, I can suggest a general approach to setting and achieving financial goals:

1. Identify your financial goals: These could range from saving for retirement, buying a house, paying off student loans, starting a business, etc. Be specific about what you want to achieve.

2. Prioritize your goals: Not all financial goals are created equal. Some are more urgent while others are long-term. Prioritize your goals to know which ones to focus on first.

3. Create a budget: A budget will give you a clear picture of your income, expenses, and how much you can afford to put towards your goals each month.

4. Set a timeline: Each financial goal should have a timeline. This will help you determine how much you need to save or invest each month to reach your goal.

5. Monitor your progress: Regularly review your financial plan to see if you are on track. If not, adjust your budget or timeline as needed.

6. Seek professional advice: If you're unsure about how to reach your financial goals, consider seeking advice from a financial advisor. They can provide guidance and strategies to help you achieve your financial goals.