Reflect: Consider how each decision you make today will affect your financial future. The choice to borrow money will mean you need to repay it at some point. The ability to save money each month can help you plan for the future. These daily decisions can affect your finances and ultimate freedom to make decisions in the future positively or negatively, such as your ability to buy a home or to purchase a new vehicle. The last two modules of the textbook provide you with the knowledge to make informed financial decisions that can help you support your future (SMART) goals.