EPISODE · Mar 3, 2026 · 21 MIN
How to Adjust Your Goals Without Giving Up on Them - 23
from Financial Planning for Young Adults · host Skyler Fleming
Action Item: Identify one goal that needs adjusting and use today's episode to evaluate it and reset it.SummaryIn this episode, I break down why it's completely okay if your 2026 goals are already off track and what you can actually do about it. I walk through the psychology behind why we set goals that don't stick, introduce you to the WOOP framework as a more effective alternative to the traditional SMART goals approach, and share the one secret that can take your likelihood of achieving a goal all the way up to 95%. I also walk through Caleb's case study, a 27-year-old with $21,700 in debt and a goal that was way too vague, and show exactly how he can reset his goal into something realistic, actionable, and actually motivating. The key takeaway: adjusting your goal is not giving up, it's how you learn and how you win.Resources & Links MentionedODU Professor Breaks Down Psychology Behind New Year's Resolutions and Meaningful Life Change: https://www.odu.edu/article/odu-professor-breaks-down-psychology-behind-new-years-resolutions-and-meaningful-lifeWhy Your 2026 Goals Are Already Failing: https://billmclean.substack.com/p/why-your-2026-goals-are-already-failingEffective Goal Setting for the New Year, HNS 4-Step Framework: https://hernewstandard.com/effective-goal-setting-for-the-new-year/The Power of Accountability, AFCPE: https://www.afcpe.org/news-and-publications/the-standard/2018-3/the-power-of-accountability/The Importance of Your Why: https://www.saramayer.com/blog/theimportanceofyourwhyEpisode 1, Crafting Your Financial Why: https://youtu.be/Mxb5rVcOBpkEpisode 17, Money is Harder for Young Adults with Dana Thibodeau: https://youtu.be/BZmdXaXEwjoEpisode 22, The One Question That Will Change How You Handle Money: https://youtu.be/-9f1KcG2CwgTimestamps[2:01] The psychology behind why resolutions fail and how comparison is stealing your joy[4:05] Stop chasing result goals and the WOOP framework explained[8:01] The accountability statistics that will blow your mind: from 10% to 95%[11:24] Caleb's case study begins: $21,700 in debt and a goal that's too vague[14:54] How Caleb resets his goal into something realistic and actionable[19:31] How to know if a goal is actually worth pursuing: three questions to ask yourselfEmail me at [email protected]
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How to Adjust Your Goals Without Giving Up on Them - 23
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