You've done it. You've built up a little cushion in your bank account — $1,000! It feels good, right? Those days of checking your account balance in a panic are behind you. Congrats! You're on the right path. Now it’s time to think about some longer-term goals. What do you want to accomplish next with...

Jayne Bird, a 38-year-old Philadelphia dermatologist, wife and mom, says she accumulated a “scary” amount of debt putting herself through medical school. So she was delighted last fall to discover that her FICO credit score had risen to 847---just three points shy of a perfect 850.  “I’ve worked ext