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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