This document discusses financial planning and goals. It notes that the average person will need $180,000 over 20 years for expenses like a house, car, marriage, children's education, retirement, and other costs. However, saving $750 per month for 20 years would only yield $180,000. It encourages the reader to think about their financial needs and goals for the next 20 years and consider additional income sources to achieve those goals. It discusses the importance of having a backup plan or secondary income through owning a business rather than relying solely on a job.