The Situation

The Vague Goal Problem

Most financial goals fail not because of lack of motivation but because of lack of specificity. 'Save more,' 'pay off debt,' and 'invest for retirement' are intentions, not goals. A goal without a specific number, a specific deadline, and a specific monthly action required to reach it cannot be acted on — it can only be wished for.

A goal without a number is a wish. A wish without a deadline is a dream. A plan requires both.

— Worthune Decision Framework

• Your financial goals exist as aspirations rather than specific, quantified targets with deadlines
• You've set the same financial goal two or more years in a row without meaningful progress
• You're not sure which of your multiple financial goals to prioritize or how to allocate limited savings across them