I've already done some commentary on 2021 goals, but this is the "pretty" version.

For now, these are pre-college goals.  To be re-evaluated as college decisions sort out in the next few months.

This is also a one-income goal year, presuming that MH is unemployed and that his unemployment funds are exhausted.  (You will see with the 'lower income' tax savings that the bottom line won't change much.  Goals will remain largely unchanged from prior year).

$12,000 to savings

...($0 @ 1/31/21)

...$900/month, plus interest.

...Topping off with snowballs

Can squeeze a lot more out of my paycheck with the whole reduced income *no tax* thing.

This may be redirected to college expenses.

$1,200 to mortgage

...($0 @ 1/31/21)

...Funded with snowballs

I had mostly decided to give up any extra mortgage payments (during college years), but then I got the stimulus money (round 2) and decided to just front load this goal. 

$12,000 to IRAs 2021 (MAX)

...($0 @ 1/31/21)

...Will fund with MH's income, or by shifting taxable investments into IRAs (if MH remains unemployed)

...Will not fund until the year is over.  This is for tax and planning reasons.  I won't know what mix of Traditional/ROTH IRA we literally can contribute until we do our 2021 taxes.  In addition to that, can make a more informed decision based on our financial and tax situation for the entire year.

Last minute add:

[ ]Pay cash for college

...This is so much a given, to me.  But I realize not everyone can read my mind, and so will memorialize in my goal list.

Details to follow...   First, we need college acceptances and real #s to work through.