When all is said and done, at the end of the lawyer game, you’ll look back and check the score. Did you achieve what you set out to achieve? Did it matter to you or the people you love? Did you accomplish something that affects the things/people/places you care about?

Of course, each of us has different priorities and objectives. We all place different value on different priorities. But in talking to lawyers all over the world, I’ve learned that a fairly universal priority is having money put away for the last phase of one’s life. It’s important to most of us.

Today, right now, you’re taking the actions that affect the outcome of your personal situation. The score, then, is determined by what you’re doing now.

As you contemplate the coming year, here are three tools I’ve found helpful when it comes to building wealth. Use them to set your objectives, track your goals, and reap the rewards that come from your effort.

1. Stickk

You set your goal with Stickk and then you “stickk” to it. Get it? All kidding aside, Stickk asks you to set a “commitment contract” with yourself. You commit to the achievement of a particular goal. Then, the site takes it further. You can make your goal public, involve a referee, and agree to pay a penalty (to a charity, for example) if you fail. Stickk employs a range of psychological tactics designed to help you help yourself. It’s available on the web, iPhone, and Android. The company was founded by Dean Karlan, an economics professor at Yale University; Ian Ayres, a law professor at Yale University; and Jordan Goldberg, a student at Yale School of Management.

2. Mint

Mint is an all-in-one money manager, budgeting application, and dashboard. It pulls data from all of your financial institutions and shows you where the money is coming from and, more importantly, where it’s going. You’ll immediately view bright, colorful, helpful charts and graphs demonstrating what you’re doing right and wrong. Mint is a mature, powerful product that now helps with bill payment, credit monitoring, and budgeting. Mint is available on the web, iPhone, and Android. You can even use it on your Apple Watch.

3. Wealthfront

Wealthfront is a great place to sock away your money. It’s in the business of managing low-cost exchange traded funds (ETFs). These are the market index funds that are so popular. Wealthfront uses an algorithmic approach to determining your risk tolerance and then automates the process of buying and diversifying your investments. Wealthfront doesn’t hold your money; it simply manages it. It uses some very advanced technology to tax-optimize your investments and maximize your return. Mostly it’s investing your assets with Vanguard and other reputable fund providers.

Put these or other comparable tools to work for you. You’ll advance your cause. The key isn’t any particular tool, of course. The key is devoting attention and energy to improving your financial situation. There are endless reasons to decide that now isn’t the right time to worry about the future. It’s easy to put off these issues until tomorrow. Unfortunately, by the time tomorrow comes, it’s too late. Now is the time to take action. Now is the time to decide what the score will be at the end of the game.