117. Why You’re Not Hitting Your Money Goals (And How to Create a Money Plan That Actually Works)

Share Your Thoughts!If you’ve ever wondered why you’re not getting any closer to your money goals — even though you have a decent job and you’re “doing the right things” — this episode is for you.In this episode, we break down why setting financial goals isn’t enough on its own and how creating a realistic, season-aligned money plan is the missing piece. This is a guilt-free, judgment-free conversation designed to help you figure out where you’re getting stuck, why past goals may not have worked, and how to create a clear roadmap that actually moves you forward.This episode is especially for first-generation professionals and Latinas who were never taught how to plan their money beyond “pay your bills, save what you can, and hope for the best.”We talk about how to assess your current financial reality, align your goals with your money season, and build a money plan that includes both strategy and mindset — because your thoughts around money matter just as much as the numbers.We cover:Why you can feel “stuck” financially even with a good incomeHow to identify what’s blocking you from reaching your money goalsHow to use the SMART goal framework to create achievable financial goalsWhat “perfectionism paralysis” is and how it keeps you stuckHow financial anxiety and avoidance impact your progressCommon limiting money beliefs many first-gen professionals and Latinas grow up withWhy a money plan is more than a budget — it’s a personalized roadmap for your lifeIf you’ve ever felt overwhelmed, discouraged, or frustrated by your financial goals, this episode will help you reframe your approach with compassion, clarity, and realism — so your money plan actually works with your life, not against it.Mentioned in episode:Financial Reset Workshop (Episode 115)Budgeting & Money Management (Episode 116)Related episodes on financial anxiety and money mindset (EP 54) & (EP 68)Support the showSign Up for the MoneyChisme & Raíces NewsletterResources:Start Investing with M1Finance or FidelityFinance Books to Start Your JourneyOpen a High Yields AccountSupport/Apoya MoneyChismeDisclaimer: I’m not a financial advisor. The information contained in this video is for entertainment purposes only. Please consult a licensed professional before making any financial decisions. I shall not be held liable for any losses you may incur for information provided in this video. Please be careful! This video is for general information purposes only and is not financial advice.*Affiliate links: I may earn a small commission when you click on the links at no additional cost to you. This helps me provide you with free content, like this podcast! You can read my full disclaimer here: MoneyChisme Affiliate Links and Paid Advertisers Disclosure.