Goal Setting

Financial Goal Setting: Turning Plans Into Progress

Money without a plan tends to disappear quickly. That’s why setting financial goals is so important—it gives direction, purpose, and motivation for how you spend and save. This course helps young adults understand the value of goal setting and teaches them how to create clear, realistic steps to achieve both short-term and long-term financial success.

Participants will learn how to:

• Understand the importance of goal setting – How clear goals provide focus, reduce financial stress, and encourage better money habits.

• Set SMART goals – Specific, Measurable, Achievable, Relevant, and Time-bound goals that are practical and motivating.

• Differentiate short- and long-term goals – Examples include saving for a concert, building an emergency fund, paying off debt, or buying a car.

• Break big goals into smaller steps – Using monthly or weekly milestones to stay on track.

• Align goals with values and priorities – Learning how to budget in a way that supports what matters most to them.

• Track progress and adjust as needed – Understanding that goals may shift over time and learning how to adapt.

• Celebrate achievements – Recognizing progress to stay motivated and build confidence.

By the end of this course, participants will understand that financial success isn’t about luck—it’s about planning. They will leave with practical tools to set meaningful goals, stay disciplined, and achieve the milestones that build financial security and independence