Background

I've heard that one of the most important steps is to find out where you are and what you hope to accomplish. I'll start by giving some information about myself and where I'm at.

I am a single female living in the far western suburbs of Chicago, Illinois. I graduated with a Bachelor's Degree in Computer Science in May, 2005. I had a job lined up as a software engineer right after college. I graduated without any student debt, and enough saved up to make a down payment on a small condo.

Where I'm at currently (as of Feb 28, 2006):
I have $6,670.63 in cash, checking and savings accounts.
I have $9947.16 in my 401(k), Roth IRA, and other stock accounts.
I owe $5039.58 on two credit cards at 0% interest.
I have a home and a car woth approximately $130,900.
I owe $121,564 on my mortgage and home equity loan.

Overall, I have a net worth of $20,914.21.