How to Set and Achieve Financial Goals for 2025

 we are here excited to talk to you about goals in 2025. I cannot believe it is already here, guys. We are just so excited to start the year. We’ve had a lot go on this year. A lot of things accomplished, a lot of clients who accomplished a lot of stuff. Yeah. A lot of listeners who accomplished and got through a lot.

So yeah. Yeah. I like how you framed that one before we were recording, like how, when you think about 2024 and all that. All that has been accomplished using, for us in our business and our personal lives, a lot has happened, but thinking about what you guys have accomplished using our system and, whether you’re a client or you’re a listener that emails in.

It’s pretty freaking fabulous. It is all the testimonies we’ve received and just all the messages and it’s really fun to read all that. It’s really fun to respond and let them know that we are reading, we are seeing them, we do hear them. And we’re just so excited to see what this new year brings.

Yeah, we’ve gained a lot of budget besties this year and and it’s really fun. And yeah, like new year 2025, I think 2025 is going to be phenomenal. For everybody. Everybody in the club. Everybody in the club’s gonna have a great 2025. I can just feel it I’m not gonna say I necessarily felt it last year, but I feel the hope and excitement about it.

Maybe it’s because it’s like 2025. Like it feels like a number that means something to because New decade. Yeah. It’s the millennium is turning 25. Yeah. I didn’t I say decade? No, not decade. We know what you meant. It’s a new year. For sure. For sure. So 2025. Today we’re gonna talk about setting your financial goals in 2025.

People always set goals. They have vision boards and all this stuff that they want to set. Hey, how about financial goals? Yeah. Okay. So financial goal is what? Yes. Basically any goal that you have has financial something financial tied to it, right?

You require money to do pretty much any of the goals that you set. So that’s why we want to talk about it. We want to talk about, whatever goals you have, that’s great. How can we put it into your budget to make it a reality? But we also love to talk about specific financial goals, right?

Yeah. And so when we’re thinking about setting goals and how we do that’s a great question. You want some short term goals, some things that you can accomplish maybe this year, right? Right now, six months this year. And then you want to think about maybe a couple years down the road. What does that look like?

What are some things that you can work towards? And then maybe what about when the kids are graduating from high school or college or retirement? What does that look like for you? What is that new vision for your life? Yeah. So those are the three different types of goals we’re going to talk about today.

But I think about, for me, when I think about setting financial goals, I think about it like dreaming with your money. And I personally remember, and everybody probably has their different version of this, but sitting on my front porch with the coffee with my husband, like writing these things out dreaming about what the, like what’s possible, short, mid, longterm and connected to our finances connected to our money.

But it’s exciting. It really is. And when we ask that question with our clients, especially new clients, when they come on and start coaching, sometimes they start crying. They start crying because a lot of times they’ve never even thought about that. They’ve never had time or the headspace to sit down and really think about what a financial goal is.

How do you achieve them? How do you put a monetary value dollar sign to a goal? And then how do you Set it up in your budget to where you it’s achievable, right? So it’s just really nice to be able to have those conversations and allow them to set the vision for their life Yeah And I think like you had you have said before a lot of times they get stuck in the day to day So they’re not thinking like they can’t even bring themselves to think about the big vision, right?

And that’s not that’s no fun like the day to day You need that big vision to make you even want to do or have the same motivated to keep doing the day to day. While we’re at before we really dive in, go back and listen to the episode right before this. It’s about the year in review checklist.

It’s when we’re going to take you through how to look at the year, the past year what it means and, how to set yourself up for a good next year when it comes to your finances, but don’t forget to check that one out. Yeah, that checklist is really going to allow you to wrap up the current year, make sure you have everything on track so that way when you go to set your new goals you have you have some data in front of you.

Yeah. Okay. Let’s talk about 2025. So just pause for a second. Pause for a second and think about what could be possible. What are some big ideas? Like literally pause the podcast and think, what are some big ideas you have for 2025? It’s exciting. It really is. And maybe that comes from what did you learn from 2024, right?

So what worked, what didn’t work, what are some things that you wrote down that you thought you were going to accomplish? Or what are some things that you wrote down that you accomplished and like way surpassed that? And now you have this whole nother vision or big goal that you want to set for yourself.

Yeah, I think that’s really important because I think about our clients that are, they shocked themselves that they did the thing, that they’re doing the thing. Yeah. Yeah. They’re like, I still have money in my spending account. And so that’s the new version of you. And like Vanessa said, if you just reviewed that, then you know, Oh, okay.

I am capable of more. Maybe I can take this to the next level. I’m ready. So that’s exciting to think about. So just dream about 2025 as a whole. What might. Be possible overall and obviously we are gonna get into some nitty gritty But just it’s a whole set fresh set of days a fresh set of a year And it’s exciting to think about.

I love the idea of holding yourself to a higher standard I mean we talk about that with our clients we talk about that with our kids What about with yourself? So hold yourself to a higher standard of setting big goals, big audacious goals, things that you know, that maybe you don’t know if you can accomplish, but that’s okay.

Cause it’s scary, but those are good. You want to have those in front of you. Yeah, absolutely. Okay. So we’re going to talk about some different, specific goal ideas. Maybe some have already popped into your head, but we do want you to think about those goals in terms of. Smart goals, which whatever, we’re not woo.

We’re not trying to overanalyze our goals, but we do think the more specific you are and we’ll talk about what that means. The more likely you are to actually meet them. You want the goals to be smart, measurable, achievable, relevant, time bound. Last year, Vanessa talked about her husband.

Oh goodness. He’s big, as big as your husband, your son wanting to work out, writing, writing that down. And that’s all he wrote. And I was like So then instead, you encourage them, like, when are you going to work out? What is your goal for working out? Am I gaining, losing, hitting a personal record, whatever.

So we want to be that sort of detailed when we set our goals. Yeah. So let’s give an example. Okay. I want to buy a house. So maybe if that’s something that maybe you thinking that in 2025, that is something you and your spouse or just you alone want to accomplish. Okay. How do you do that? Do you have to have a certain amount of money set aside to, for moving expenses?

Do you have to have a certain amount of money Set aside as your down payment, you have to find a real estate agent. You have to find a title company. There are a lot of things that you have to put on paper that require money. So that way, when you set the goal, you can backtrack and go, okay, I know I want to accomplish this big goal, but what does that mean financially for me and my budget?

Yeah and so you can set the goal and then you can have the, like what Vanessa is talking about is like a few next steps. What are the very next steps? Because a lot of times we get overwhelmed. Like even if you said. And it’s okay, definitely going to do that super soon.

But then if you do what Vanessa said and you break it down, okay, I need, I do know I need a down payment and I’m going to like, if I just had these little steps, that seems more possible and doable, but we want to have those so they get too motivated to start. But in order to start, you really do need that first like goal.

So what is your goal? Vanessa said, if it’s maybe it’s buying a house or maybe it’s. So we have this happen with our clients all the time, like maybe they got some savings buckets set up or they started slow but maybe you paid off some debt and you can actually have several clients that they’re going to, we’re going to relook at their savings buckets and set them up brand new in January to be increased, to increase the amount that they’re allowed, they’re able to save.

So in that case, you’d be like, I’m going to increase my, travel savings bucket to 500 a month or whatever. Something like that. Very specific so that, you can, you can’t achieve something ambiguous. You have to be specific. If you want or not, yeah. And I want to go back to really quick to when Shana was talking about setting goals for yourself.

I don’t want you to set should goals, okay? I should be doing this, or I think I should be doing this, or this sounds, this is my friend’s doing, so I think I want to do that. No, let’s look at what do you want to accomplish with the money that you have, with the budget that you have, with the life that you have, with what makes you happy, what brings you joy.

And set that for yourself. Don’t set it for anybody else. So don’t set it because you think that’s what you’re supposed to be doing. Yeah, that doesn’t sound fun at all. No, it just made me think about because I, there are a lot of people when they, when we first talk about setting goals with them, they actually, because they’ve never done this before, they don’t know what to set.

And so I don’t want you to set goals of I think this is what I’m, somebody at my age is supposed to be doing. Yeah. No. There’s a lot of should things that we think we could be doing, but also let’s talk about yourself and what do you want to be doing? Yeah. And there has to be some dreamy aspect of it too.

Otherwise it’s not a goal. It’s like a requirement or it’s a, it’s just another to do, right? It’s a to do thing. So you want it to be exciting. Yeah. So another one might be, you want to be more organized, right? And that’s, By the way, just buy our budget system because that’s exactly what it is. Our savings bucket system is, Oh my gosh, guys, it is.

It’s so good for that, but also separating your accounts. Everything that we talk about on the podcast, it teaches you to be more organized. So if that is something that you are excited about or something that you’ve always wanted to achieve financially in your life, Our simplified budget system. It’s amazing.

You might want to check it out. I think a lot of people come in and tell us they feel like it’s chaotic. It’s disorganized. They don’t know what’s going on. They don’t have a system. That’s like the main thing that we hear from you. Maybe being more organized. But again, we don’t want it to just be, I’m going to be more organized.

How do you win that? So what does that mean? Yeah, so we’ll tell you what that means. You’re going to separate your bank accounts, you’re going to get on a budget, you’re going to use automate everything, and then you’re going to be like, la, I’m so organized. Then you’re going to be bored. Yeah.

You’re going to move on to your next goal because that’ll be checked. Yes! Checked off, yes girl. Alright, so what about investing? What if you’ve always thought about and wanting to invest and you never knew how you were able to do that. So set a budget, make a line item for it. If it’s a priority for you, you will find a way to fund it promise.

And make sure that is something that you can accomplish in 2025. Yeah. I love, we have we have a couple of people that came in and they said I’ve been investing since I start when I, since I started work, cause I just took it out of my account and then I never saw it. And I’m like, yes, wish that happened to everybody.

Unfortunately it didn’t. But Vanessa said. You’ll find a way if you want to find a way. And you can do that on your own. You don’t have to have somebody taking it from your paycheck. You can have it transferred out of your bills account. And it’s similar and then go somewhere where you don’t see it very often.

And you can’t transfer it back cause it’s over there. That’s there’s a lot of different tangible things that you can do to be in order to be a good investor. But then another one that you might want to be doing is getting your emergency fund. Maybe this is the first year, that we have, we hear the statistics, 70, 70 percent or 78 percent or whatever don’t have an emergency fund.

Maybe that’s you. Maybe your emergency fund is your credit card, which is not fun. Yeah. Your people’s credit limits definitely become their emergency fund. But listen, as far as emergencies, we’re talking about true emergencies here. Not Your kid’s birthday or Christmas or Easter or whatever, all those things that pop up that are quote unquote unexpected expenses and become emergencies.

Those are what the savings buckets are for. And we seriously encourage you to sit down and plan out what your year looks like and divide it up. And put it in the budget for your savings buckets. But as far as your emergency fund for two emergencies, I know last year, Shayna’s refrigerator went out.

That was an emergency. Need to keep your food cold. Yes. My dishwasher just went out. My dishwasher just went out and it’s actually been out for almost two months now. And we, Kids have been hand washing everything and I’m really going back and forth on Shayna’s is it an emergency like do it Are we fine the way we are do I need to replace it or whatever?

But things that your car battery things that pop up that just happened to my husband, too those are emergency times in your house. So excited. Yes So just you need to really figure out what is a true emergency versus what is something that you can plan for something that you? Know that it’s coming up that you need to do you need to you know Put in the budget.

Vanessa, listen, this is not a podcast about emergency funds. Apparently we need to have one of those because I have a little something on my heart to say, because it was funny that you said emergency is not an unexpected expense or unexpected expense because the unexpected expense is that people.

say are unexpected, they actually are expected. But when we think about an emergency fund, there’s three questions we ask unexpected, urgent, and necessary, right? Unexpected. You have to be real honest. Vanessa said, you’re not, you were expecting Easter to come, right? Like we were, your kid’s birthday. Yeah. So that’s not what emergency fund is, but if you’re getting organized, that’s one of your goals.

You’re going to have that stuff all covered. That’s what our whole system is for. We want you to have it. It’s not that we don’t want you to, No, we always want you to know where the money for whatever the thing is coming from. That’s the system But anyway, just wanted to say that about the emergency fund.

I just had to get it off my chest. I think people forget, it’s like they something happens and they’re like, oh my gosh That’s an emergency. I’m gonna swipe my card or I’m gonna pull from my savings and it’s take a step back our dishwasher went out two months ago. I really could have just went out and bought my movie Habit I forced the kids to slave labor.

Yeah, and they’ve been watching everything. They’re fine. They’re good. It’s dealing. We’re dealing with it But also it, it really made me take a step back and go, do I need to buy this right now? And the answer was no. I was sick. We were going outta town. We had a bunch of things going on sports, I just didn’t have the time to go to the store and get it.

So just really ask yourself the question No. To do the level of research that you’re gonna do. That’s true. To get the right one and to I was gonna take a and to install it and stuff. ’cause I’m I recently saw this thing on Facebook and it was like. if you marry an intimate, independent woman like a man, make sure you’re what does it say?

It’s something about making sure you’re okay with yourself because I love doing all the things. My dad brought me up and I install all the things. I fix all the stuff. It’s so fun. So yes, I will be doing all the research to make sure it’s the right one. And that way I can install it properly. Yes.

Need a Thanksgiving break to maybe have time to do that. Another thing that you might, Want to think about as a goal for the year is investing in yourself, right? Investing in your own education. And I think about a client that we had one time, she spent a whole year getting her finances in order, paying off silly debt that they had.

Sometimes people come to us and they had an emergency life situation that caused it. And we’ve had that happen a lot. Sometimes it’s just they were just unorganized and they just they didn’t need to be using credit, but they were just slowly built. So she got out of that, she paid off her van and she wanted to invest in a yoga teacher certification.

And it was in the beginning of the year, I remember. And she was like I can’t afford it. And I was like, Yeah, you can actually. That was the whole point of all of that, that you just did. You ha you at any given time, have this amount of money to drop, pay it in full, not just have to pay installments or whatever.

And so I just think but she didn’t think that she had the money or she wasn’t. She comes in two and two together. It’s a lot to think about. I’m going to invest in myself, but you are your best investment. Your money can go over there and work for itself, but you are the best investment.

You getting better at whatever the. The potential skill or whatever it is. Is going to pay dividends in your every single day life. So you’re worth it. How many people come to us and have never invested themselves before. They sign up for coaching and they’re like, this was the best decision I ever made in my life because it literally changed the trajectory of their life.

With their finances, their marriage, like their kids relationship, it just, it improved and changed so much. So maybe this is the first time, Hey, maybe you want to sign up for coaching. We are for it. We are so excited to be working with you. But yeah, so think about investing. Think about something that you’ve always wanted to do something you’ve always wanted to invest in for yourself, for your future.

Maybe it’s a hobby. Hey, maybe now’s the time. Yeah, absolutely. And speaking of now the time, my. Sister in law just had a baby. Okay. Very exciting times. So we have a brand new baby, a brand new member of the family. Very exciting. But maybe that’s something that you need, that you are thinking about is part of your goals in 2025.

A baby, maybe you’re moving, a job change, something big and huge that we want to wrap our goals around, or at least include in our goals. So don’t forget to think about things like that. Yeah. So maybe before you decide what your goals are, think about what’s happening in 2025. What’s coming up?

What do I need to keep on the horizon? And then from there, make your goals and then add on to them. Like last year when we were like, we’re both going to have 16 year olds. Yeah. That’s great. Yeah. So we’re past that. We’re past that now. But if that’s you have to plan or an 18 year old, even if you have a senior 16, if you have a senior, no, I cry.

Stop it. Everybody. Anyway. But just, I love the way you phrase that. Just think about what’s going on next year before you really dive in. And look at the calendar, look at the timeline of of your life and see what could be different and that you need to set goals for

so now after you have those goals listed on paper, what is some practical ways that we can think about implementing these into the budget? How do you break it down and be, have this big audacious goal? That’s scary. Maybe your stomach’s getting a little woozy over here because you’re not using But then you’re like, how am I going to accomplish this?

How do we do that? Yeah I love, there’s so many different people out here, out there that teach this, I think about the the one thing is one of my favorite books and what they say is let’s break it down in that big one thing. Let’s break it down. So if you want to think about breaking, let’s say it’s a specific financial goal.

Then maybe you want to say, but every quarter I need to hit this milestone, and then from there every month I need to hit this milestone. And really any goal can do that. It’s just depending on whether it’s a number or a certain, feel or whatever. But then I, what I like about the system is, okay, if I have a month, what do I need to do each week or maybe each day in order to accomplish this goal?

What are some like tactics That I need to do or some numbers that I need to hit in order to make that happen. It’s 1%, like what’s the one per, what’s the one thing, the 1% thing that I can do today to make sure that I hit this goal in, next October or something. Yeah. Because the idea here is, and we talked about at the beginning of the podcast, is not to get stuck in the day-to-Day.

Minutiae of. I go to work, I come home, I make dinner, kids sports, we do homework, we go to bed, and we start. And then we forget. Did I forget anything in there? No! I was just thinking, okay, it’s time for bed now. I know. I know. Yes. But it’s we get stuck in this rut of the day to day, and we forget about the big thing that we were focused on.

Because the kids are like, hey mom, I need shoes. Hey mom, I have this field trip. Hey mom, I have this. Hey mom, I have that. And then we forget oh, I was actually saving this money because we were going to go to Greece. Or I was going to save this money because we were going to buy a boat so we can all spend our weekends together on that as a family.

Yeah. So just. Remember what they are. Don’t lose sight of them. So that way day to day you stay motivated and you don’t get tempted. Yeah. And I love what you said before we were recording, which is you can look, you like to look at it and we both do obviously look at it with the, with our clients and say, no, you can’t look at what you can accomplish.

It’s just math. Like we’re looking at the numbers and you can pay this much debt off or you could fully fund that that emergency fund or whatever your goal is. We’re just looking at the math. So that’s what you want to do is give yourself that, that long, at least a year long horizon.

What are we going to do over the year? And then you can break it down little bit by little bit and that’s how you just know it’s possible. It’s just math. It doesn’t lie. Yeah, I think that’s why we both love budgets because it is such black, it’s so black and white, but because we can see it too.

That outside perspective looking in, I think that’s honestly sometimes, because a lot of our clients, they’re too close to it. You’ve seen it for so long, you’ve only done it this one way, so you can’t see another way or you can’t see a way out of it.

So when we come in and we have an outside perspective, a bird’s eye view of your whole situation, we tell them, yes, we know that you can accomplish this because we’ve already broken down your goal for you. We have taken this big goal, broken it down by eight months, nine months, 12 months, however long you have to accomplish it and shown you how we put it in the budget.

Oh, and also you’re paying off debt. Oh, also you’re saving for this trip for Mexico or whatever. You can do all of it at the same time. It’s called being bougie on a budget y’all. But because it’s what’s important to you and we want to make it matter enough to put it in the budget so that way you can achieve it.

Yeah. And it makes me think that maybe we didn’t, we need to reiterate. There are different types of goals. So we want you to have your short term goals, your medium goals, and your long term goals, right? So if you have long term goals, like Vanessa said, it, maybe this is. ah, after the kids graduate or maybe it’s once you’re 60 you know that you’re getting, that’s the point that you want to be able to quit working if you want right or whatever.

You have those big longterm goals. Okay. Then we have some medium like the next three to five years or whatever. Those are like, those are different things. mentality. And then we do have our very short term, which is what we’re really talking about this year. What can I accomplish this year?

But what you want to do is see how this year fits in with those other things. So if I just start a little bit for that goal when I’m 60 or that little bit for that five years from now, what we want to have accomplished, maybe it’s paying the house and I’m going to make one extra payment or something like we want to go from that big bird’s eye big bird’s eye view back down to the And then from there, month to month, right?

Cause you might this month, cause it happens to our clients all the time. Like it might be this month. The goal is to pay this specific credit card off, but this month, the goal is to pay for this wedding in cash and not, and I don’t, I’m not paying off debt. So we really, there’s a time horizon here that we have to pay attention to.

And I think it’s important to talk about if your goal is paying off debt, but you’re also paying in stuff in cash, like paying for stuff in cash. And maybe one month you didn’t pay anything on debt because you took a trip and paid for it in cash or you paid for a wedding in cash. That’s still okay.

It’s still a win, right? So know that you’re going to go through these seasons of life where, sometimes more of your money is going towards one thing and less of it is going towards another thing. But overall, once it all evens out, you’ve still accomplished your goal on the timeline that you want to accomplish it, but you’re just putting your money, like I said, more in one place than the other during certain times of the year.

Yeah. And so another. framework that you can work through when you’re thinking about these goals, when you’re looking at the timeline, at the numbers, at the work that you’re going to have to do to accomplish them is what do I need to add and what do I need to take away? So if I think about 2024 and how everything worked that way, and then I have this goal coming next year, what might I need to change?

One idea, one thought that comes to my mind, Vanessa is your family trip to Portugal last year. Didn’t, once you looked at your schedule, once you looked at the finances, plus the schedule is okay this is not happening this at this time because of that. And that’s what we’re saying.

Maybe that needs to get taken away for a season or two, something needs to be taken away, or maybe something needs to get. Maybe you have big goals and you want, you need to add a side hustle or something, whatever it is. Let’s look at that. Look at those two questions as well. Yeah. Like you want to be able to look at your budget and go, I want to do it all.

I get it.

Maybe I need to cut 15 subscriptions that I don’t use, that I don’t need to be able to make this other thing happen, right? So it is okay to go in your budget and go, what do I need to add and take away so that way I can make sure that my goals that are important to me that I want to accomplish get done.

Yep. And so then what we want to talk about is being consistent and the best way to be consistent and actually stick to hopefully hitting your goals is to have these check ins. Vanessa always says there’s 365 days in the year. We want 12 or at least asking for that, right? 12 days, check in with your goals.

All of these things that that you’re setting as goals can be tracked, be written down, be looked at, be checked in on. You can have different metrics that you’re tracking to make sure you’re hit it. You’re going to hit your goal. If you want to go ahead and hit your goal, you’re already having these budget meetings, right?

So go ahead and couple these goal meetings with your budget. So it’s all together. So like we said, 12 days out of the year, you’re checking in going, am I on track? What do I need to tweak? What do I, what’s not working? What is working? Am I ahead of my goal? That could happen. You never know.

Maybe you got a bonus. Maybe you got a bigger tax return than you’re expected. And so you want to always stay consistent. When Shana was talking about one of the key things here on how to make that happen. Guys, our savings buckets, when you set them up on automatic transfer every month into those savings buckets to save for the upcoming thing that you want to save for it’s hands off.

You And that’s going to really help you be super consistent. Yeah. And so another thing that you can do with this is Vanessa’s phone sends, you can schedule to how long out can you schedule a text message? You’re like, I haven’t pushed it that far. Yes, but a long time. But you can schedule yourself text messages and say every quarter Hey, remember we, we wanted to do this or whatever.

I do it with scheduling emails cause I can’t, I don’t have that feature. It’s fine. Apple, get your life together. But I can schedule emails. So I’ve done that. I’ve done that before with Chris, like with my husband, with different goals that we’re setting. Just set up text messages. But even if you put it in Google and you have it send an appointment reminder and you have some things that are going to call you calling yourself out on these goals, but definitely put it in the calendar.

If it’s not monthly, make it weekly, maybe even have and we’re not against vision boards. We talked about woo. We’re not really woo, right? But we’re not against vision boards, but we want there has to be more to it. We just want to make it tangible. So like you can have this vision board, but okay.

But how is it actually going to happen? How do we put it in your budget to make it an actual thing? Not just a vision somewhere in the future that could maybe someday happen. Yeah. Okay. So what are some things that might keep you? From hitting your goals. There are several challenges that might become my, cause your goal is here.

You’re here. What might happen here? Life. It’s called life. Yes. Yes. So there are some things that obviously that might come up. We. Have talked about kids injuries. My daughter kept the emergency room in business and funded in 2020 or yeah. Is that the year? It feels I think that was possible, but anyways, so yeah, so those were completely unexpected.

I had no idea that she was going to be in the ER that much, you have to adjust. So that’s why I’m saying. Earlier when I said you may, in some months, be putting money towards other areas than you thought you were going to, but if you’re still funding it all in cash, if in the end it all still is working out in the same way that is okay.

It’s okay to have some bumps in the road. We just want you to have some savings buckets, some things set up in place, some guardrails so that way when those do happen, you’re ready for it. Yeah. And just understand setting this goal and sticking to it. You’re going to be so much further off, even if there are unexpected mishaps, right?

A lot of bumps in the road. You’re still going to be further than you would have been if you hadn’t even tried or set the goal. So stick with it no matter what. Vanessa, you like to refer to a video that we talked, or we watched with Dave Ramsey where he said he had a journal full of goals that he said, and he found it later.

And he said, I didn’t hit a single one of them when I said I was going to hit it. But I, by now I have surpassed them all. So just understand that even if things come up. You can still your future is bright, right? You’ve got big things that are going to happen. This little setback doesn’t, is not going to matter in the big grand scheme of things.

And I think there’s there’s a statistic, it’s 60 something percent of people are more likely to accomplish the goal if you just write it down. So just, we want you to write it down. We want you to make it part of. Your your everyday life. So that way if something does happen along the way, you still have it there.

You still have it in front of you going, okay, I may not hit that by March, but maybe by May, like that’s what I’m shooting for. And also it just brings you, it, it allows for a chance to bring in the family on the conversation. So if you’re, If you, one of your goals is to, let’s say, go to Greece. Like I’m using Shana’s Shana’s goal.

Yes, I am. But Hey, sit the kids down at the table and go, listen, guys, this is what we want to do this year. We were so pumped. Hey, we’re not going to go out to eat as much as we normally do because we want to make this happen. When you do that, when you bring them in on the conversation, I guarantee they’re going to get as excited for it.

And for you as you are, and they’ll be more likely to be on board and to help you achieve that goal. Yeah, I think, one of the things that can hold you back is not being on the same page with your spouse primarily. But then obviously a lot of our clients, it’s the kids like, and it’s not, it’s not usually because they’re against you.

Honestly, a lot of times, cause you’re nobody’s communicating. Like we’re not on the same page. I don’t, I can’t help you achieve a goal if you don’t tell me what it is. And then I, we also have clients where you guys have different goals. And so we want to put them both on the vision board.

And let’s work to both of them. We all want to win. So we want to stay communicating, stay motivated, get on the same page. And just know that there’s a lot you can do without. That, but you’re going to go further faster if you can do some of the communication and to get everybody on the same page ahead of time.

I love how you said we all want to win. I think also, we don’t want each other to win even your kids when we talk about our business to our kids They are so excited and so pumped for us to hit our goals.

When my daughter is sometimes scrolling through YouTube She’s hey mom. I saw one of your videos like And she’s and I liked it. It’s just so cute. Cause they’re, they are on board and they are so for you. But like Shana said, tell them, bring them in on the conversation, let them know what your goals are and what you want their goals to be.

Yeah. And help them set them too. Because, people that, you know the family that sets goals together, stays together, that’s not a thing, but is. If you’re all working towards something, maybe they have a financial goal and they can start to understand some of what you’re going through to try to be disciplined or to work toward it, then you’re all growing together.

Vanessa said, everybody wins. That’s what we want. All right. To summarize guys, financial goals. We want to set some, they are goals that you have that have monetary value attached to them. We want to have some big audacious ones long term, short term or midterm and then short term. And just remember pretty much any goal that you’re going to set resolution, whatever it is, it’s going to have if it’s getting shaped, you might need a gym membership, or you might need a different grocery budget or whatever. Any of your goals are going to have some financial aspect to it. So just sit down, take a minute, plan it out, think about it. And then we told you, how to break it down. You want them to be smart. You want to be detailed, very specific, right?

And then you want to go ahead and throw some little action steps in there that will get you, that are like small enough that you’re not scared or you’re not like paralyzed that you can just get started. What is the one thing this month that I can achieve to make sure that my goal in six months is going to happen?

Yeah. Okay. And then also guys, listen, if this is the first time you’ve ever thought about setting goals or investing in yourself, we talked about that earlier. We invite you to join on for coaching. We are so excited to work with our new clients for this new year. It is so fun to start with clients like in the beginning of the new year in January, because you have that whole, the whole vision of the whole year to set with them.

So anyways, sign up. We would love to chat with you. Budgetbesties. com forward slash coaching.