If your New Year’s financial resolutions already feel shaky, you might be sabotaging yourself without even realizing it. In this episode, I’m breaking down the three biggest ways people wreck their money goals before January is even over, from setting vague, emotionally disconnected goals to falling into an all-or-nothing mindset and failing to track progress. This is the first episode in our brand-new Personal Finance Cheat Sheet series, and I’m giving you practical, realistic tools to finally follow through in 2026 — without burnout, perfectionism, or shame.
Not sure where to start on your financial journey? Take our FREE quiz and get your personalized money plan: https://herfirst100k.com/ffpod
Science Backed Goal Setting Episode: https://play.megaphone.fm/vtgw675btq6fuky50hmoeg
00:00 Intro
01:57 Why New Year’s Resolutions Often Fail
03:56 Mistake 1
08:44 How to Anchor Your Financial Goals
13:34 Reflection Prompts for Goal Setting
15:35 Mistake 2
24:14 Shiny Object Syndrome & Chasing Novelty
27:54 The Power of Consistency and Bare Minimums
30:08 Free Personalized Money Plan Resource
31:54 Mistake 3
36:34 How to Track Progress & Build Motivation
41:06 The Money Date Practice
43:46 Building Self-Trust and Accountability
47:06 Closing Thoughts & What’s Next in the Series
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