[colicoid]

Just a note/tip.
Single actions should be relatively rare. You should be more liberal with what you consider to be a project and much more granular with your "next actions". Most of the single actions you mentioned above for example are indeed projects. The "next action" should be something dead-simple and easy to perform with virtually no mental resistance. What is the first physical action that you need to perform to "Create a new savings CD" for example?
Currently "Create a new savings CD" is an "open loop" because you have think about how you would start doing that.