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One of the most difficult things we're facing right now is saving for a number of different things.

In the short term, we're going on vacation in May, which requires some cutting back in the next few weeks to pay for the trip.

In the mid-term, we're saving for a down payment on a house, which will hopefully come in the next year or so.

In the long-term, we're saving for retirement, which we attack pretty aggressively with two Roth IRAs and a 10% contribution to my 401(k).

Tom is facing this situation, too, dealing with long-term and short-term goals.

We're not the only ones dealing with these issues. Thankfully, Vanguard has put together a podcast about this as part of their Plain Talk on Investing series.

In this podcast, we explore a question that many investors face: "How do I juggle multiple savings goals?"

Retirement, debt reduction, college expenses, and buying a house all require significant savings and investing. Jack Brod, head of Vanguard Asset Management Services™, says that to reach multiple savings goals you will need to prioritize them and you may need to make some tough choices along the way.

Listen to the podcast below; click play to get started.