exhaling, almost

The bedroom that I use as my "office" (aka "place where I pile up all my s*** so it doesn't pollute the rest of the house") has been sorely neglected for about a year and half now.  I started to shift the mountains and throw out old mail - dated 2008.  Pre- massage therapy school.
But now that I have my LMT and the current school year is 4 days away from being finished it's time to set a new batch of goals and write them on the walls.
(I really can do that.  When we moved in to our current home my "ex" ((long complicated story, we're still great friends)) flew out from the west coast to help us move and built floor to ceiling bookshelves with doors for me.  I coated the top half of the doors with chalkboard paint because one way I like to think is to list things across large surfaces.  Helps me keep the big picture in sight.)
But before I put them up in neat chalk lines, a bit of brainstorming first.  I'll do that here.  You've been warned.  Loqaciousness shall ensue.  In no particular order:
Goals already on the page here:
- weight down to 150
- gain 15 pounds muscle. Do I really want to have this as my goal still, or do I want to focus on building strength, endurance and flexibility?  I've also notice that since I've stopped riding my balance isn't as good.  I think I need to seriously work on that too.
- earn Masters +60 (puts me on maximum salary track and enhances pension).  Helpful if I pick a focus and earn credits.  Some of these can be earned in-service (can all?)
Other goals to prioritize:
- build massage practice.  Get advice on organizing client and billing info, finding new clients.
- take national certification exam in August
- massage workshops and further training: repetitive use, sports, myofascial release
- debt free by retirement, including mortgage.  I'm going to need help with this one, I've never been great with finances and I know I need new money habits.  Have some fires that need to be put out rather quickly.
- new fitness goal: possibilities - bodybuilding, distance cycling, biathlon (?)... part of the motivation here is that I want my massage practice to promote wellness and fitness.  So I need to model fitness - and currently I don't (I'm 30 pounds heavier than the competition photos, it's not all muscle) to the degree I want.  Eating cheese didn't help.
- be organized enough.  been ignoring this for a while, just putting out the fires.  Time to get pro-active
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Okay... so here's what the Goals board on my wall says:
Long term:
+ build massage practice to $20K per year
+ model fitness/wellness (appearance, strength, endurance, infury prevention, inury free)
+ debt free by 2024
+ creative outlet/growth (need to make time for artistic activity)
+ find and pursue focus for profession development (educator).  How much can you do in house?
Short term:
+ immediately: new soummer routine, don't wait until July.
+ dentist.  eyeglasses
+ budget help (two phone calls listed)
+ business plan. Start implementation
+ clean up office
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As I was listing stuff, I found that I needed to write up two more questions to ponder, in smaller print:
Where/how do you want to spend retirement?  Where do you want to grow old?
I'm 51.  I'll probably teach another 14 years.  If I can master body mechanics I may have 20 - 25 years to pursue massage (including teaching it after about 10 years or so).  And then what?  If I live as long as Dad, where do I want to be when I get to be that frail?  What community do I want to have around me?  Who is going to sustain me in my old age?  What network do I need to be building now so that "old and alone" is not something I need to fear?