Ask a group of people to define financial freedom and you’ll probably get a dozen answers.

For some, financial freedom means being able to pay bills with change every month or having a fully funded emergency account. Others may wish to retire earlier and travel extensively.

“It’s important to take the time to reflect and be honest with yourself about what matters most to you,” says Lena Haas, director and head of wealth management advice and solutions at financial services firm Edward Jones.

However you define financial freedom, these 15 steps will help you realize your vision for the future.

Define your financial goals.
Know your current financial situation.
Open the appropriate accounts.
Create an archiving plan.
Keep track of your expenses.
Formulate a budget or spending plan.
Reduce your budget.
Be prepared for “unforeseen” expenses.
Create a debt repayment plan.
Build an adequate contingency fund.
Pay attention to your creditworthiness.
Rate your career prospects.
Invest in the future.
Prepare your inheritance.
Find a trustworthy financial advisor.