Residents may clamor for specializations such as education, transport or entertainment but they may remain 100% happy without these (as long as the basic services are provided). Whereas congested roads and lack of parks, police, firefighters and hospitals, if not addressed ASAP, will result to abandoned buildings, plunging population and city tax revenues. Same with your finances. Check which ones are necessary and urgent. The rest can wait as these are just good-to-haves.