Realistic Money Goals for 2026: Ditch the Shame Spiral and Set Intentions That Stick

It's January and the pressure is on to go harder, save more, invest more, and transform your entire life by next year. But piling on intense goals doesn’t always lead to motivation — often it leads straight to anxiety, comparison, and money shame when life inevitably throws a curveball.

In this episode, Mandi welcomes back listener‑favorite board‑certified therapist, speaker, writer, and financial therapist Aja Evans, author of Feel Good Finance. Aja helps us rethink how we set money and career goals so they actually fit our real lives — kids, cold weather, surprise plumbing bills and all — instead of sending us into a shame spiral when we “fall off.”

You’ll hear Mandi and Aja talk about:

• Why January might not be the best time for your most ambitious goals, especially if you’re in hibernation mode and running on low energy. 

• How to get brutally honest about your time, energy, and responsibilities so your goals reflect the life you actually have, not the one Instagram says you should have. 

• The mindset shift from “I’m starting back at zero” to “I handled that emergency and I’m still on my path,” even when a surprise $1,000 home repair blows up your plans. 

• How “under‑promise and over‑deliver” with your money goals can quiet that inner “shitty committee” and help you feel proud of your progress instead of chronically behind. 

• Simple reminders from Aja — “be realistic and be nice” — and why it really isn’t that serious if your timeline moves from March to July. If you’ve ever looked at your accounts and thought, “I should be further along by now,” or felt like one unexpected bill erased all your progress, this conversation will help you reset your goals with more compassion, more honesty, and way less shame.

Stay tuned at the end of the episode for Mandi’s note about how to send in your juiciest money and career questions for upcoming BA Q&A Fridays in 2026.

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