Specific

1. Graduate with at least a 3.0 GPA in Architecture.

2. Secure a full-time job in an architecture firm within six months post-graduation.
3. Save for a down payment on a house and land.
4. Plan to buy a house and land within five years of employment.
5. Focus on building a professional network in the architecture industry.

Measurable:

6. Maintain a minimum 3.0 GPA throughout the final academic year.

7. Apply to 25 architecture firms within three months of graduation.
8. Attend five networking events or industry conferences annually.
9. Save 20% of monthly income towards the down payment.
10. Accumulate at least $20,000 in savings within five years.

Achievable:

11. Utilize tutoring and academic resources to maintain GPA.

12. Develop a strong portfolio and tailored resume for job applications.
13. Network with industry professionals to increase job prospects.
14. Create a budget plan to save consistently each month.
15. Take additional courses or certifications to enhance job prospects if necessary.

Relevant:

16. Graduating with a 3.0 GPA supports professional credibility.

17. Securing a job aligns with career goals in architecture.
18. Saving for a house supports long-term personal and financial stability.
19. Networking helps career growth and job security.
20. Homeownership aligns with personal financial goals and future planning.

Time Bound:

21. Graduate within the next academic year.

22. Secure employment within six months of graduation.
23. Save for the down payment over five years.
24. Attend five networking events or industry conferences annually.
25. Purchase a house and land within five years of starting work.
CURRENT MONTH

BALANCE SHEET
Name(s) JlA~ \\ A-~ \,J\t[.\r Dated \~<::i-ZoU-
ASSETS LIABILITIES AND NET WORTH
Liquid Assets Current Liabilities
Cash on Hand (rl:) Utilities so -
In Checking 0 Rent $ Q00.aJ-
Savings Account Insurance Premiums $ i)
() -
Money Market Taxes $ 0 -
fund and deposits 0 Medical/Dental $ 0 -
Certificates of Deposit Repair Bills $ 0 -
(<1 yr. to maturity) fl Bank Credit Card Balances $/06() -
Total Liquid Assets $ "10 - Dept. Store Credit Card
balances $ 0 -
Investments Travel and Entertainment
Stocks r"'l card balances So -
Gas and Other Credit Card
Bonds C) balances So -
Other Current Liabilities $ 0 -
Certificates of Deposit b $ -
(> 1 yr. to maturity) Total Current Liabilities $/.WJ .m
Mutual Funds
Long-Term Liabilities
Real Estate 0 Primary Residence
Retirement Funds, IRA 0 mortgage 0
Other Second Home Mortgage 0
Total Investments so - Real Estate Investment
mortgage 0
Real Property Auto Loans 0
Primary Residence 0 Appliance/Furniture Loans fl
Second Home 0 Home Improvement Loans a
Other 0 Single Payment Loans 0
Total Real Property so - Education Loans 0
Other Long-Term Loans
Personal Property 0
Auto(s): 0 Total Long-Term Liabilites $ -
Auto(s):
Recreational Vehicles 0
Household Furnishings 4 .rJ>O.oo
Jewelry and Artwork 0 (II) Total Liabilities $1,'ICD -
Other 0
Other 0
Total Personal Property $0 Net Worth [{I) - {II)] 4,oto.«$0

{I) Total Assets 4,(1X).'t0$0 Total Liabilities and Net Worth Sc-;0(.0_.c-
CURRENT MONTH Due Date
INCOME AND EXPENDITURES STATEMENT

N.Jme(s) ~~ W"'-~
For the v-.•~ Ending ~ ~~

INCOME
Wages and Salaries Name ~,~~ q 1'"C
Name
Name
Self-employment Income
Bonuses and Commissions
Pensions and Annuities
Investment Income Interest Received
Dividends Received
Rents Received
Sale of Securities
Other
Other Income
(I) Total Income '-\,..0
EXPENDITURES
Housing Rent/Mortgage payment
(include insurance and taxes, if applicable) '1C)<'.u0
Repairs, Maintenance, Improvements 6
Utilities Gas, Electric, Water {'o
Phone 10()
Cable TV and Other 0
Food Groceries t.,'11.<JO
Dining Out 0
Autos Loan Payments C
license Plates, Fee, Etc ~
Gas, Oil, Repairs, Tires, Maintenance 0
Medical Health , Major Medical, Disability Insurance
~
(payroll deductions or not provided by employer)

Clothing
Insurance
Doctor, Dentist, Hospital, Medicines
Clothes, Shoes and Accessories
Homeowner's (if not covered by mortgage payment)
Life (not provided by employer)
·~
(>
C)

Auto 0
Taxes Income and Social Security ()
Property (if not included in mortgage) 0
Appliances, Furniture, and other Loan Payments 0
major purchases Purchases and Repairs e,
Personal Care Laundry, Cosmetics, Hair, etc JO
Recreation and Entertainment Vacations f)
Other recreation and entertainment 0
Other Items Credit Card Payments ~.ct:J

(II) Total Expenditures $1'llu:>-

CASH SURPLUS (OR DEFICIT)[(IIHII)] S-v.ec>
1 Year From Today Due Date _ _ __

INCOME AND EXPENDITURES STATEMENT

Name(s) 'i,MWAt) ~ ~ '~
For the Ending
INCOME
Wages and salaries Name. s ,o ~.OCJ
Name.
Name
Self-employment income
Bonuses and commissions
Pensions and annuities
Investment income Interest received
DMdends received
Rents received
Sale of cccurltlcc
Other
Other income
(I) Total Income $

EXPENDITURES
Housing RenVmortgage payment
(include Insurance and laxes, if applicable)
Repairs, maintenance, improvements
tf, ''"' .oo
Utilities Gas, electric, water
Phone ·'3 e,. 00. en
Cahill TV and olher
Food Groceries ~ i> .u~.oo
Dining out
Autos Loan payments
License plates. fees, etc.
Ga:., oil, repairs, tires, rnai11hmance
Medical Health, major medical, disability Insurance
(payroll deductions or not provided by employer)
Doctor. dentist, hospital, medicines
ClothinQ Clothes. shoes, and accessories ~ c l\n.oo
Insurance Homeowner's (if not covered by mortgage payment)
Life (not provided by employer)
Auto
Taxes Income and social security
Property (if not Included In mortgage)
Appliances, furniture, Loan payments :ti 1,000
and other major purchases Purchases and repairs
Personal care Laundry, cosmetics, hair care ft 1-z:0.00
Recreation and entertainment Vacations
Other recreation and enterlainmenl
Other items

(II) Total Expenditures $

l~ d1Q~
CASH SURPLUS (OR DEFICIT) [(I)- (II)) S 'fl ~().00
34

1WZ2110 t:18 AM I
 II

1 Year From Today Due Date _____

BALANCE SHEET
Name(s) 1?..o,(+-.. "-- ~\.,... ,\r.t..i Dated
ASSETS LIABILITIES AND NET WORTH
Liquid Assets Current Llabllltles
Cash on hand s-i.oo Utilities $ a
In checking Rent ~110 oO
Savings accounts Insurance premiums 0
Money market Taxes 6
funds and deposits MedicaVdental bills a
Certificates of deposit Repair bills ~
(<1 yr. to maturity) Bank credit card balances lfJeo.oo
Total Uquld Assets $ t,.60 Dept. store credit card
balances 0
Investments Travel and entertainment
Stocks card balances 0
Gas and other credit card
Bonds

Certificates of deposit
balances
Bank line of credit
balances
'
0
( > 1 yr. to maturity) Other current liabilities
Mutual funds

Real estate
Total currenl Llabllltles
.
IC.1.001o0

Retirement lunds, IRA

Long-Term Liabilities
Other
Primary residence
Total Investments $ 0 mongage -0
Second home mortgage
Real Property
Real estate investment "
Primary residence
mortgage
Second home
Other
Auto loans
Annliance/furniture loans
..0
G
Total Real Property ~
Home lmorovement loans cs
Personal Property
Single-payment loans a
Educational loans 0
Auto(s): $
Other long-term loans
Auto(s).
Recreational vehicles
Household tum,shings
Total Lona-Term Uabllltles s
' " 060
Jewelry and artwork
Other (II) Total Liabilities ir<<wl>
Other
Total Personal Property Net Worth [(I) - (II)] s ~C/40~
(I) Total Assels ~ 4,ooo ~
Total Llabllllles and Net Worth s j t.«)

35

-11 7012_lloolu()01-040.pnf 35 10122/10 9:10 AM I

5 Years From Today Due Date _ _ __

INCOME AND EXPENDITURES STATEMENT

Name(s) tz..llt#'Af2 w lcf.trl!

For the Ending
INCOME
Wages and salaries Name: $ ,~ 000.00
Name: '
Name:
Self-employment income
Bonuses and commissions
Pensions and annuities
Investment income Interest received
Dividends received
Rents received
Sale of sccuritici:;
OU)er
Other income
(I) Total Income $

EXPENDITURES
Housing Rent/mortgage payment
(include Insurance and laxes, if applicable) I', 'f O'f. t.'{
Repairs, maintenance, improvements /6,M.~
Utilities Gas. electric, water ") C. 06, c,O
Phone Co f\0,oO
Cable TV and other ,uo.oo
Food Groceries "/"-0/"I
Dining out ;c.o .ou
Autos Loan payments
"• ri,r
License plates. fees, etc. ·-z..oo.oO
Gas, oil. repairs, lires, maintenance I, ~00 .fJ()
Medical Health, major medical, disability insurance
(payroll deductions or not provided by employer)
Doctor. dentist. hospital, medicines
Clothing Clothes. shoes, and accessories -'t..aoott
Insurance Homeowner's (if not covered by mortgage payment)
Life (not provided by employer) •l.:, t..oO
Aulo lllt-.O oO
Taxes Income and social security
Property (if not Included in mortgage)
Appliances, furniture, Loan payments ,.006
and other major purchases Purchases and repairs
Personal care Laundry, cosmetics, hair care W Jt.0,00
Recreation and entertainment Vacations
Other recreation and entertainment
Other items

(II) Total Expenditures $

i~ III·!.!!i
CASH SURPLUS (OR DEFICIT) [(I) - (II)] $ '2, '!&,7 Sia
38

1012'2/10 9:18 AM I
 5 Years From Today Due Date _ _ __

BALANCE SHEET
Name(s) Dated
ASSETS LIABILITIES AND NET WORTH
Uquld Assets Current Llabllltles
Cash on hand Utilities$C:,.-. .N\0
In checking Rent •
Savings accounts Insurance premiums
Money market Taxes
funds and deposits MedicaVdental bills
Certificates of deposit Repair bills
(<1 yr. to maturity) Bank credit card balances
Total Uquld Assets $ G. !'"".n 1111,.--, Dept. store credit card
i-------------------'--"-+"LIUl&I~
• balances
Investments Travel and entertainment
Stocks card balances
Gas and other credit card
Bonds balances
Bank line of credit
Certificates of deposit balances
(> 1 yr. to maturity) Other current liabilities
Mutual funds
_ __.__ _ _ _-+--------1
,_1-,:,li,.....ot-al~cu_rre_n_t"""L-=-1a"""b-::ll~lti,.....es
Real estate
Retirement funds, IRA Long-Te-hn Lla~l~ities
Other
t-li=o--:ta~ll,.....nv_e_s~t-m-e-nts=------------t-.::::$--=--
" ' - - - - - t Primary residence· •
i--------------------•----11-:::-~:'-:-----:----+
mortgage , 1,, t..1";11
.........- - - - - i
1

Second home mortgage

Real Property Real estate investment
Primary residence mortgage
Second home Auto loans
,,I " " " '
th_e,....,r,,...........,....,,,_ _ _ _ _...__ _ _t--------=-11 Aooliance/furniture
...,,,.o_ loans
~li_o_ta_l_R_ea_l_P_ro...:.pe_rty..:...,.__ _ _ _ _ _._., __l?<,'-"--,~~""'~'""OO----tt-,;-.;H.i;..oi;;..;m.;.;;e;;.;lm.;;.1p;;.:.,r.;.;;o;..;ve.;.;;m;.;;.e.;.;;n;..;t.;;.lo;;.;.a.;.;;ns-+----~
Single-payment loans
Personal Property
Educational loans
Auto(s): $ n .,11.1 ,\
Other long-term loans
Auto(s):
Recreational vehicle~
Total Long-Tenn Uabllllles $
Household furnishings IO.1'>6fa
Jewelry and artwork
Other (II) Total Llabllltles s11) 1.~J. 17
Other
Total Personal Property Net Worth [(I) - (II)] s 40,-n ,?1
(I) Total Assets Total Llabllilles and Net Worth "~ 4Q1n 1
, ,

39

- I 1e,2_Boa11.J,00,~8_p,ff 39
1CV22/IO 9:18 AM I
1
Spring 2025
Credits: 21
ENGL 101_F
Enhanced College Writing
Credits: 5.0
BUS 101_F
Personal Financial Management
Credits: 3.0
HIST 170_F
History of the U.S. to 1877
Credits: 3.0
ARCH 215_F
Design Studio II
Credits: 4.0
ARCH 934_F
Architectural CAD III
Credits: 3.0
NUTR 210_F
Human Nutrition
Credits: 3.0
Summer 2025
---
Credits: 0
Fall 2025
---
Credits: 6
ARCH 225_F
Design Studio III
Credits: 4.0
ARCH 227_F
Internship in Architecture
Credits: 2.0
I'm attending Fullerton college to get my architectural degree the base pay for this job starting
off seems reasonable without having a bachelor's degree. But I think in the next upcoming years
I'm going actually attend Cal Poly Pomona to get my bachelors degree so I could be making over
100,000 a year an architectural field
I picked this location because I want to be closer to family I have a lot of family that lives in
Florida and this is a great price range for 365,000 I will be living in Florida which is a dream come
true and I'll be closer to family. The other factor was the income that I'm going to be making
mike's projected income is from 60,000 to 180,000 a year depending on what job I take if I take
a draft of job then it's going to be 60,000 if I take a architectural job then it's going to be over
100,000 which is a great income for a house like this I'll be able to pay it off in no time. Then I
have a possibility to work from home because my uncle has a architectural firm in Florida so
everything will be a plus for me. For the area that I live in now the houses are going for over a
million and I won't be able to afford that so I think Florida is a great move.
 My Retirement

I feel that in retirement I will be in Florida and have a vacation home in Jamaican so I can visit

family there when I feel like it. I think that Florida is a nice place to live that why I have picked it to move

to in the future but I also want to retire there and spend most of my day at the beautiful beaches they

have there. Now for Jamaica I want to have a small farm there with chicken and horses just something

simple with vegetables and fruits. I also what to build my house in Florida and Jamaica since I am going

to be an architect it will be easy for me at that time to get building plans to go thought and I will know

all of the ropes.

Now for traveling I want to visits almost every country I can with my USA passport. I have

already been to a lot of countries so far but I think that I can explore more when I retire but I don’t want

to retire that old so I am thinking about retiring when I am about 65 years old. I feel like that is a great

age to retire but I will have to do a lot of work to make my dreams come true. I want to work for a

company but have my own business in the side doing building plans so I think that this will be a great

opportunity for me to make extra money to fulfill what I want to do in life.

By retirement I should have a few million saved up so I can do the thing I want to do. My

hobbles I have not really thought about but being me I will be getting in to all kinds of things I feel that

traveling will play a big part in my hobbies maybe I will have a YouTube channel showing the different

thing I experience in life. Maybe when I retire I will still have my own company so I can still be doing

building plans and hire and teach some people how to make it all happen with the knowledge I get from

college and working in that field. I know that I can teach some people in Jamaica because there

education system is really expensive and no one can really afford it so I think that will be a great place

for me to start. Plus they will not be offering a class to learn this type of work anytime some for cheap.
 I really feel like when you retired from a job that doesn’t mean you quit working on thing that

you love to do it just come a time and date where you saved up enough money where you can retire

from you 9 to 5 and relax alit bit but you can keep working on the things you like. I feel like a am going

to be build building after in retire for a company but I will have my own thing going that pays good I

think right not for simple building plans it start off around $5000 usd and that is for adding a room so I

feel that buy this time I retire it will be a lot higher and I can make a stable retirement income but doing

my own thing. I feel like all these country population is going to grow so they are going to need more

house built so I picked a great industries to get into.