A goal prevents paralysis. Let’s say you have $20,000 in your bank right now. Now I’ll ask you to dream about your life 10 years down the road. What if you had that same $20,000 two decades from now and that’s it? Wouldn’t that feel like a failure? Forget about the details of inflation and how $20,000 will “not be” $20,000 in the future, just think about how demoralizing it would be to not progress financially!

All these future plans to buy a home, to be debt-free and to invest more for retirement – they seem like “sure things” in life. Like, they are just bound to happen. Do you believe that everything will magically “work itself out”? I hate to break it to you but the world just doesn’t work like that. Miss your credit card payment? Boom – here’s a fee! Don’t pay your mortgage? Sorry – pack your bags! Here’s the point. Let a financial goal become your Coach. Everyone is better with a Coach pushing them to be a better version of themselves, so allow a financial goal to become the accountability and motivation you need to become wealthier!

My wife and I really wanted to pay off a credit card that had a balance of $6,000 on it. It was a fairly new card with an introductory period with 0% interest for 18 months. It was month 17. Now, I made the goal that the next check I received from my side hustle I would put towards this credit card. I soon after got a check for $6,300 and paid off the card the next day. You’re probably thinking “yeah, great story, Bro. What’s the point?”. The point? There’s a 99% chance that $6,300 would have gone towards something with short-term fun as the priority but with a clear target, our extra money was spend on tackling debt because freedom from this debt was our biggest priority.

Honestly? Paying off that debt felt WAY better than spending $6,300 on a vacation. Seriously!

So go out there and set a 30 day goal. Start there. It doesn’t have to be massive, it can be small.