How to Set Goals You Can Actually Achieve

NerdWallet's Smart Money Podcast

NerdWallet Personal Finance

Business, Education, Investing, How To

4.2 • 665 Ratings

🗓️ 1 January 2024

⏱️ 26 minutes

🔗️ Recording | iTunes | RSS

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Summary

Take your New Year’s Resolutions to the next level by establishing SMARTR financial goals that you can achieve in 2024. Wondering how to set financial goals you’ll actually follow through on? Have questions about how to avoid end-of-year financial regrets? The Nerds have you covered! Explore strategies for setting realistic goals in 2024 with hosts Sean Pyles and Elizabeth Renter as they discuss “regrets and resolutions” and share ideas to help you take your 2023 experiences in stride, learn from them, and use them as stepping stones for creating a stable financial future. They explore some of the financial regrets that haunted many Americans in 2023, including overspending and saving too little, and provide tips for avoiding common financial regrets, such as taking on too much credit card debt. Sean also explains his SMARTR framework for setting and achieving goals, which you can apply to your New Year’s Resolutions or any other goal you have in 2024. In their conversation, the Nerds discuss: SMARTR financial goal setting, financial regrets, setting realistic goals, budgeting, saving, credit card debt, large expenses, New Year’s resolutions, goal setting framework, emergency funds, and retirement savings. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Prime Video brings thrilling entertainment.
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0:07.0	Exactly how much danger is this job putting me in.
0:10.0	Treat yourself to the lovably chaotic Bridget Jones mad about the boy available to buy.
0:15.0	Did you have sex? Did you have sex?
0:17.0	Did you have sex last night?
0:19.0	Yes! And it was amazing!
0:23.0	Whatever you're into, it's right here.
0:25.3	Prime Video.
0:27.1	Click or tap the banner to find out more.
0:30.3	Happy New Year, dear listener.
0:32.1	I hope you're recovering from any festivities that helped you ring in 2024.
0:36.6	Did you make any resolutions?
0:38.7	Here at Smart Money, we're not really into those, but goals are okay. And so is looking back
0:44.6	at the mistakes you made last year, so you hopefully don't make them again.
0:49.0	I like to think of my financial goals similarly to how I think about my health goals.
0:53.2	I can't do this all or nothing stuff.
0:56.1	It's totally unsustainable and it creates this very unhealthy pattern of extreme restriction and then
1:02.7	indulgence, right? So not spending anything on takeout is very unrealistic for me. And I know that
1:08.6	just like totally giving up pizza.
1:23.5	Yeah. very unrealistic for me, and I know that, just like totally giving up pizza. Welcome to Nerd Wallet's Smart Money Podcast. I'm Sean Piles. And I'm Elizabeth Renter.
1:28.9	This episode kicks off our nerdy deep dive into your money in 2024. In this special series
	...

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