Setting Financial Goals That Actually Stick
- Katie Kimball Dyer
- Jan 18
- 2 min read
Updated: Jan 19
We’ve all made financial resolutions before , save more, spend less, “get my money together this year.” But without a clear plan, those intentions usually fizzle out by February.
That’s why setting short-term, mid-term, and long-term financial goals matters. When your money has a purpose, it’s easier to stay on track and actually make progress.
Short-Term Goals (Next 12 Months)
These are the things you want to achieve within a year. They keep you motivated with quick wins.
Examples:
Building a starter emergency fund
Paying off a high-interest credit card
Saving for a trip or a special purchase
Pro Tip: Automate transfers into a separate account so you’re not tempted to spend the money elsewhere.
Mid-Term Goals (3–5 Years)
These goals take a little longer and require consistent effort.
Examples:
Saving for a wedding or adoption costs
Building a down payment fund for a home
Paying off student loans
Pro Tip: Use a mix of savings and investments, depending on your timeline and comfort level.
Long-Term Goals (10+ Years)
These are the “big picture” goals that require time and patience.
Examples:
Growing retirement savings
Building generational wealth
Funding a child’s education
Pro Tip: Don’t underestimate the power of compounding the earlier you start, the more your money works for you.
Why Goals Matter
Without goals, money can slip through your fingers without much to show for it. Goals give direction, accountability, and motivation. They help you prioritize what matters most, whether that’s security, freedom, or flexibility.
Try This Today
Write down one short-term, one mid-term, and one long-term goal.
Attach a number to each goal (how much you need).
Set a date for when you want to hit it.
Even if the goal feels big, putting it in writing makes it real.
Want help building a plan that turns your goals into reality? Let’s connect.
Katie’s Key Takeaway
Financial goals aren’t just about money, they’re about clarity. When you name what you’re working toward, every dollar you save or spend has a purpose.
