243 | How to Identify the Say-Do Gap That Is Keeping You From Your Financial Goals episode artwork

EPISODE · Sep 1, 2026 · 15 MIN

243 | How to Identify the Say-Do Gap That Is Keeping You From Your Financial Goals

from Money Files: Money Mindset & Personal Finance · host Keina Newell - Personal Finance & Money Mindset Expert

You have set the financial goal. You have done the math. You know exactly how much you need to save every month to get there. And then you watch yourself not do it, not because you do not want it badly enough and not because you are bad with money, but because wanting something and doing something are two completely different muscles. And most people have never learned how to check whether their actions actually align with what they say they want.I am calling that the say-do gap. It is the space between what you say you want and what you actually do, and it shows up in every part of your life, not just your finances. You said you wanted more sleep and then stayed up scrolling. You said you wanted to call your mom more and then never made space in your calendar. In this episode I am sharing the exact exercise I want you to do this week to find your own say do gap that is impacting your financial goals. In this episode you'll learn...[00:05:10] What the say-do gap is and why it is not a willpower or  math problem [00:14:30] Why telling yourself the cleanest version of the story about your spending is the exact thing that keeps the gap open[00:19:15] The 30-day spending exercise that shows you what your bank account says you want versus what you say you want[00:24:40] How to use what you find in your 30-day review to identify your specific gapTune in to this episode of Money Files to learn what the say-do gap is and how identifying yours is the first step to finally closing the space between what you say you want financially and the actions that will actually get you there.Get full show notes and the episode transcript: https://wealthovernow.com/how-to-identify-the-say-do-gap-that-is-keeping-you-from-your-financial-goals/Links mentioned in this episode…Set up a call | Financial Coach Washington, DC | Wealth Over NowDownload my FREE spending plan

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243 | How to Identify the Say-Do Gap That Is Keeping You From Your Financial Goals

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