• Home
  • About Us
  • Toolkit
  • Getting Finances Done
    • Hiring Advisors
    • Debt Management
    • Spending Plan
  • Insurance
    • Life Insurance
    • Health Insurance
    • Disability Insurance
    • Homeowners/Renters Insurance
  • Contact Us
  • Risk Tolerance Quiz
  • Our Editorial Commitment

The Free Financial Advisor

You are here: Home / Archives for goal setting

Feeling Stuck? 5 Ways to Push Yourself Out of Your Comfort Zone

May 24, 2025 by Travis Campbell Leave a Comment

man outside
Image Source: pexels.com

Have you ever felt like you’re just going through the motions, stuck in a safe but uninspiring routine? You’re not alone. Many people are trapped in their comfort zones, hesitant to take risks or try new things. While comfort can be comfortable, it can also hold you back from personal growth, new opportunities, and even financial success. Pushing yourself out of your comfort zone isn’t just about chasing adrenaline—it’s about unlocking your full potential and living a more fulfilling life. If you’re ready to shake things up and see your capabilities, this article is for you.

1. Embrace Small, Manageable Risks

Stepping out of your comfort zone doesn’t mean you have to make huge, life-altering changes overnight. Starting small is often the most effective way to build confidence and momentum. Try saying yes to something you’d normally decline, like attending a networking event or volunteering for a new project at work. These manageable risks can help you get used to discomfort in a controlled way, making bigger leaps feel less intimidating.

Research shows that taking small risks can rewire your brain, making you more adaptable and resilient over time. The key is consistency—challenge yourself regularly, and you’ll soon find that what once felt scary now feels second nature. Remember, growth happens at the edge of your comfort zone, not in the middle of it.

2. Set Stretch Goals (and Make Them Public)

One of the most effective ways to push yourself is by setting stretch goals—objectives that are just beyond your current abilities. These goals should be ambitious enough to excite you, but realistic enough that you can see a path to achieving them. For example, if you’re comfortable saving $100 a month, challenge yourself to save $200 by cutting unnecessary expenses or finding a side hustle.

Making your goals public adds a layer of accountability. Share your intentions with friends, family, or even on social media. When others know your aim, you’re more likely to follow through. According to a study published in the American Society of Training and Development, people are 65% more likely to meet a goal after committing to another person. So, don’t be shy—let the world know what you’re working toward!

3. Seek Out New Experiences Regularly

Routine can be comforting, but it can also become a rut. To break free, make it a habit to seek out new experiences, even if they seem unrelated to your main goals. This could be as simple as trying a new cuisine, taking a different route to work, or signing up for a class outside your usual interests. New experiences stimulate your brain, spark creativity, and help you see the world differently.

If you’re feeling stuck in your career or finances, learning a new skill can open doors you never knew existed. For example, taking a public speaking course might lead to leadership opportunities, while learning about investing could set you on a path to financial independence. The more you expose yourself to the unfamiliar, the more comfortable you’ll become with uncertainty—a crucial skill for anyone looking to grow.

4. Reframe Failure as Feedback

Fear of failure is one of the biggest reasons people stay in their comfort zones. But what if you started seeing failure not as a dead end, but as valuable feedback? Every time you try something new that doesn’t go as planned, you gain insights that can help you improve next time. This mindset shift is essential for personal and professional growth.

Many successful people credit their achievements to lessons learned from failure. Thomas Edison famously said, “I have not failed. I’ve just found 10,000 ways that won’t work.” Reframing failure as a learning opportunity will make you more willing to take risks and less likely to be paralyzed by fear. Remember, the only true failure is never trying at all.

5. Surround Yourself with Growth-Minded People

The people you spend time with greatly impact your mindset and willingness to step outside your comfort zone. If you’re surrounded by individuals who are content with the status quo, it’s easy to adopt the same attitude. On the other hand, spending time with growth-minded people—those who embrace challenges and strive for improvement—can inspire you to do the same.

Look for mentors, colleagues, or friends who encourage you to take risks and support your growing efforts. Join groups or communities that align with your goals, whether that’s a professional association, a mastermind group, or an online forum. According to psychologist Dr. Carol Dweck, a growth mindset is contagious, so choose your company wisely.

Unlocking Your Potential Starts Today

Pushing yourself out of your comfort zone isn’t always easy, but it’s one of the most rewarding things you can do for your personal and financial well-being. By embracing small risks, setting stretch goals, seeking new experiences, reframing failure, and surrounding yourself with growth-minded people, you’ll gradually expand what you believe is possible. Remember, every step outside your comfort zone is a step toward a more empowered, fulfilled, and financially secure you.

What’s one thing you’ve done recently to push yourself out of your comfort zone? Share your story in the comments below!

Read More

How to Think Like an Old Crafty Cat

Resisting Temptation: 5 Smart Ways to Use Your Tax Refund

Travis Campbell
Travis Campbell

Travis Campbell is a digital marketer/developer with over 10 years of experience and a writer for over 6 years. He holds a degree in E-commerce and likes to share life advice he’s learned over the years. Travis loves spending time on the golf course or at the gym when he’s not working.

Filed Under: Personal Development Tagged With: comfort zone, financial success, goal setting, Mindset, motivation, personal growth, self-improvement

End of Year Money Moves

December 22, 2021 by Jacob Sensiba Leave a Comment

end-of-year-money-moves

We’re getting close to the end of the year so I think it’s a good time to review how to set yourself up for success for next year. Here are some end-of-year money moves you should make.

Year in review

I think it’s important to reflect on the year that has been – financially, emotionally, physically, and spiritually. If you’re not evaluating your progress as a human, I think you are doing yourself a disservice.

We’ll stick with the finance side of things in this article. Did you achieve the goals you set out to reach when the year started? If you had a goal to pay off debt, did you? If you had a goal to increase your savings rate for retirement, did you?

I think that’s important for two reasons. One, you review your progress to see if you were successful or not. Two, you use this year’s progress to help set your target for next year. If you achieved your goal, you can set a higher target for next year. If you didn’t, maybe keep the same goal and try to hit it next year.

It’s also a good idea to review your investment/retirement portfolio at the end of the year. If you’re investing your retirement savings, there are some sectors or asset classes that performed better than others throughout the year. If that’s the case with your portfolio, the percentage you’re at now is probably different from where you started.

Typically, I like to leave it be, but if you’re in a stage of life where you have to be more selective, then being overweight in a risky asset is probably not a good idea. When you review your investment portfolio make sure that you’re still in good shape with regard to your risk tolerance and time horizon, and you’re pleased with your account’s performance.

Set goals for next year

After you review your progress from this year, set your goals for next year. If you saved more than you set out to at the beginning of the year, use the ACTUAL savings as your goal for next year. If you paid off some debt, redirect toward another one.

What happens if you don’t have any more debt? Congratulations! Then make sure your emergency savings are adequate. If it’s sufficient, beef up your retirement savings or something else you’re saving for.

When you’re making your money moves for next year, make sure you’re designating time to assess your progress throughout the year.

Related reading:

How to Set Investing Goals

Worthy Goals to Set and Crush

Disclaimer:

**Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. Securities America and its representatives do not provide tax or legal advice; therefore, it is important to coordinate with your tax or legal advisor regarding your specific situation. Please see the website for full disclosures: www.crgfinancialservices.com

Jacob Sensiba
Jacob Sensiba

Jacob Sensible is a financial advisor with decades of experience in the financial planning industry.  His journey into finance began out of necessity, stepping up to support his grandfather during a health crisis. This period not only grounded him in the essentials of stock analysis, investment strategies, and the critical roles of insurance and trusts in asset preservation but also instilled a comprehensive understanding of financial markets and wealth management.  Jacob can be reached at: jake.sensiba@mygfpartner.com.

mygfpartner.com/jacob-sensiba-wisconsin-financial-advisor/

Filed Under: Debt Management, Investing, money management, Personal Finance Tagged With: Debt, Debt Management, Goal, goal setting, invest, investing, investment plan, investment planning, meeting your goals, money goals

The Power of Big Fat Audacious Goals

February 12, 2013 by Joe Saul-Sehy 55 Comments

Do you get caught up in living today instead of designing tomorrow?

Snap out of it.

Check out what these two guys accomplished with just a little planning.

As an advisor, I can’t tell you the number of times I heard “but” or “I just can’t.” It was discouraging to watch some people achieve everything they wanted for themselves, while others sat in front of the television, so paralyzed by fear that they never reached anything.

I have a close family member who spends much of the time I’m with her saying, “I wish we could…”, or “Some day I’d like to….” in a really whiny voice. It’s clear that this woman has no intentions of ever turning her “I wish” into “I did.”

Let’s talk about the power of getting what you want.

If you listen to our podcast, you’ll know that last weekend I went with two good friends, Troy and Malcolm, to help them run 100 miles. You read that number correctly. They set out to run a race longer than most would ever dream.

If you read this post and think, “This doesn’t apply to me! I don’t think I’d want to run 100 miles,” you’ve completely missed the point. Go read Disney.com and live in Fantasyland. The point is this: What is it that you want to do? What is your plan to reach that pinnacle?

The course was a 20 mile loop the runners would circle five times. Each loop was a mixture of trails and two-track access roads. Sprinkled around the loops were 3 aid stations, one of which runners would hit twice on their journey. Along with the finish area, runners could stop 5 times each loop for food, water, or first aid.

The day before the race we headed for the pre-event briefing. I was amazed. How many people do you think would try to do something this crazy? There were over 700 runners listening to the rules on littering, race courtesy, and how aid stations worked. Half the runners were signed up for the 100 mile race. Half! The other half? They were going only 50 miles.

Malcolm had finished the 50 miler a year earlier and whispered at the briefing, “This is the only event where you’ll race 50 miles and feel like a total wimp.”

I found out another statistic later: over 200 of the starters wouldn’t finish the trek.

 

Troy and Malcolm before the start better

 

The Starting Line

 

We were at the line early Saturday morning (about 5:30 AM). The 100 race began at 6 AM and the 50 started an hour later. Runners streamed across the campground, nearly all wearing headlamps, and some with a second flashlight in hand. When the starting whistle sounded, imagine people with headlights slowly jogging down the trail. It looked like a stream of fireflies leaving the campground and dancing single file through the woods away from us.

 

Malcolm and Troy entering an aid station.
Malcolm and Troy entering an aid station.

Early Miles

 

It was amazing to me that, while I went back to my high end hotel (LaQuinta!), caught another hour’s sleep, and edited our podcast, Troy and Malcolm were out there running. I picked up another friend to grab some lunch, and they’d been going for 6 hours and weren’t even halfway done. By the time I reached the campground again at five in the afternoon, they’d still completed less than 60 miles.

All in all, the reports on the runners were good. Malcolm had some trouble with blisters on his feet (he’d popped three) and Troy seemed a little punch drunk. But when they came in after dark to complete their third lap, both still looked to have plenty of energy.

 

Troy and pacer Barry headed out at 60 miles
Troy and pacer Barry headed out at 60 miles

 

Malcolm and Christy
Malcolm and pacer Christy leaving the start/finish area after 60 miles

Pacers

 

Runners were allowed pacers after 60 miles. Here was the plan: our friend Christy was going to pace Malcolm the entire way, because she was training for her own 50 miler in a few weeks.

Four of us would pace Troy. Barry, an experienced triathlete would pace for 12.5 (where an aid station was located) and Rob, another experienced triathlete would take over. Both of these guys had completed an Ironman, so they were ready. I’d jump in and pace from miles 80 to 92.5, where Christi, Troy’s spouse (and also an experienced marathoner) would take over.

 

My Turn

 

What a blast…and a challenge at the same time. Troy and Malcolm, who’d been running together the whole day, didn’t reach the finish line together to start the final lap. Troy was now alone with his pacers. Barry had stayed on to run with Rob and Troy the last 7.5 because there were so many roots that it was too easy to fall in the dark.

I strapped on my light helmet, Barry gave me instructions for pointing out roots and changes in the footing, and we were off. It was midnight. Troy and Malcolm had been running for 18 hours straight.

It became clear to me immediately that running 80 miles had had a huge impact on Troy. He mumbled most of the time, and I tried to tell stories to keep him moving. However, there were so many roots that I spent the majority of my time hunched over each one, making sure he cleared his feet as he shuffle-ran down the path.

 

The System

 

After awhile, we found a system rooted in rally racing. I’d watched some of this sport on extreme sports shows. The driver kept his eye on the road while the navigator called out turns and obstacles. I started calling the run like I’d seen on television. I felt like a dork, but here’s what it sounded like,”

“Step down. Step down again. Watch this bump. Clear. Stay left. Stay left. Step up. Uneven footing. Another big root. Okay, we’re clear. Nice job.”

Troy was in such bad shape that as we went to leave the aid station at 83 miles, he turned and started walking up the path the way we’d arrived. I turned him around and we were on our way.

Using our new system, we passed quite a few runners. These were the nicest people on earth. A friend joked that it was what you’d imagine Woodstock would have been like if everyone was incredibly physically fit. “Great job, man.” “Keep going, dude.” “Lookin’ good!” were the calls of the day.

There’s a feeling you get when you’re in the middle of the freezing woods at 2 am and suddenly you see the yellow glow of the next aid station. It feels like an oasis. You know that just up the road there will be warm or cold drinks, tons of food, and most of all, a little bit of civilization. Troy would celebrate a little at each one. He’d made it another few miles.

 

Troy-getting-ready-to-go-out-after-60-miles_thumb.jpg

 

Problems

 

But I knew at the 12.5 aid station that we were going to have a task on our hands. Time was running down and our pace wasn’t fast enough to bring Troy in at his stated goal: 24 hours. While we maintained a positive outlook around Troy, the team seemed pretty negative. At least we’d finish. That’d be a huge accomplishment in itself. In fact, Malcolm was now about 45 minutes behind us, and was clearly trying to finish rather than race to 24 hours.

Because of the roots, I decided to stay on. We’d be a three person team, Christi, Troy and I. I’d run out front and call roots out, while Christi would shine her flashlight on them as we went. After a brief stop, the three of us trudged into the darkness again. Seven miles and just over an hour and a half to go.

 

Luck

 

We got lucky.

Troy was in no position to tell us, but most of the rest of the loop was a clear two-track jeep trail. We made good time, but at the last aid station, with three miles to go, it was clear: we were right on the edge. I could see Troy gathering the little strength he had left to try and make it. The guy could barely stand up and he was still running! It was an incredible human feat.

Throughout the night, we’d been relying on my Nike + system rather than Troy’s GPS to keep track of miles. This tracking, while wildly inaccurate, helped us keep Troy’s spirits up throughout the segments. During the last three miles he must have asked us twenty times, “How much time do we have?” “How far does she (the female voice on my Nike + system) say we have to go?”

Finally I announced, “Troy, she says we’re done.” She’d been early all night, calling miles before we reached them, but the three of us celebrated that moment, and then moments later celebrated again when we crossed what we knew was the last road before the home stretch.

 

Want to hear more motivational stories from people with big goals? Check out our 2 Guys & Your Money episode with Natalie Sisson (who left New Zealand and travels the world) and Chris Klinke (who climbed Mt. Everest).

 

The Finish

 

I couldn’t believe the change in Troy when we turned the corner and saw the yellow glow of lights across the finishing tent a couple hundred yards away. He let out a war whoop, as did Christi and I. There were echoes of people at the finish whooping back at us. We sounded like animals barking back and forth at each other until he crossed the line.

Did he make it in 24 hours?

We crossed the line at 23 hours, 52 minutes.

Malcolm finished in just over 25 hours.

It was an amazing bucket list accomplishment for both of these men.

 

Malcolm removing chip at finish

 

What Does This Have To Do With Your Goals?

 

Everything.

1) Set huge goals. While Malcolm finished in 25 hours, instead of his 24 hour goal, he still accomplished something that few will ever do. Don’t set your goals too small. Set them high. Even when you don’t reach them, you still can hold your head high.

2) Set milestones and celebrate. I find people get lost on their way to big goals because they don’t have any markers along the path. Those aid stations were a great oasis to refuel, plan, and then set out. Rather than setting out to accomplish 100 miles, the race became a struggle to reach the next 3 miles.

3) Find qualified friends to help. Troy and Malcolm said that the pacers were a shot in the arm at 60 miles. It became much easier when you had a fresh voice who’d run some serious distances themselves helping you through it. They say you are the people you surround yourself with. Find people who’ve been on your journey. Even if they aren’t going for the same goal, they’ll be able to help you win.

4) Use technology. Sure, the Nike + was innaccurate, but it was close enough that it helped us monitor our progress at any point. Troy and Malcolm still had to run, but without the flashlights, GPS, and suitable clothing, they would have never made it.

5) Stick to a system and work hard. Sure, we got lucky the last 7 miles, but we wouldn’t have been able to learn from that luck if Troy hadn’t worked his ass off to get to that point. My old mentor used to tell me “Work hard and the opportunities will come.” In this case, as nearly always, the opportunity came.

 

Malcolm and Troy afterward...ready for bed

 

What big goals are you working on? What are you waiting for? Get started!

Photo of Joe Saul-Sehy
Joe Saul-Sehy

Joe is a former financial advisor and media representative for American Express and Ameriprise. He was the “Money Man” at Detroit television WXYZ-TV, appearing twice weekly. He’s also appeared in Bride, Best Life, and Child magazines, the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers and numerous other media outlets.  Joe holds B.A Degrees from The Citadel and Michigan State University.

joesaulsehy.com/

Filed Under: irrelevant stories, Planning Tagged With: 100 mile race, goal setting

You’re Half Way Done! How’s Your 2012 Goal Setting Progress?

June 28, 2012 by The Other Guy 8 Comments

Congratulations!

As we roll into July, you’re nearly half way through your 2012 goals.

How are you doing? If you’re a planner by nature, then you already know the answer to that question. Heck, you probably have a bar chart in your bedroom!

…you’re so romantic….

But, if you’re like the 90% of us who don’t actually keep day-to-day tabs on exactly how we’re doing relative to the things we said were important at the beginning of the year – this weekend’s a great time to reset the meter.

You probably started out 2012 with a list (check that: an idea) of what financial goals you’d like to accomplish. Items such as: pay off debt, build a cash reserve, save for a down payment, increase your retirement savings – important goals. But, did you actually capture it in writing? We’ve all heard it before – writing your goals down makes you more likely to hit them.

Let’s complete a little goal setting exercise to achieve the goals we set out to accomplish only six months ago.

 

Goal Setting In Five Easy Steps

 

Step 1: Make four columns on a piece of paper. Label them 1 year, 3 year, 10 year, and Lifetime. Now, for the next three minutes, think about all the things you want personally (toys, cars, houses, etc.) – we call these (“thing” goals) – and list each in the appropriate category. For example, if you want a Ferrari, but you’re thinking in the next 10 years, put “Ferrari” under the 10 year column.

After three minutes are up, spend another three minutes on money goals and another three minutes for spiritual / well-being goals. After nine minutes, you should have a list of all the 1, 3, 10, and Lifetime goals you could think of in the three areas of your life: things, money, and spiritual.

Step 2: Now, take 5 minutes to go through your columns, move things around and clean up your brain dump. Now your list should look a little more legible and it should be somewhat realistic.

Step 3: For our goal setting exercise, let’s take a look at all of your 1 and 3 year goals. Go through them and pick out one “thing” goal, one personal goal, and one money goal for each.

Step 4: You now have a total of 6 goals, three of which you’d like to accomplish in the next year. Never leave a goal setting session without taking action toward that goal. So, what you should do is make a list of the three to four action steps that must happen to make those goals a reality. Of those action steps – pick one that you will do TODAY to move forward.

Step 5: Here’s the final litmus test – you have to ask these questions:

1) Can I afford it? Meaning – can you do what’s necessary to make it happen? Can you actually do it?
2) Will you do it? Goals are nice, being able to accomplish them is nice…but if you won’t do what’s necessary…then what’s the point?

If you’ve gotten this far and you’ve found 3-6 goals that are reasonable you must take at least one little action step now. Don’t leave the goal planning table without taking at least one little step!

Do it now!

Congratulations. You’ve gone through a 30 minute goal planning session that will put you in position to reach your goals!

Great job!

How are your goals coming along? Let’s talk about our goals in the comments? Which ones are you on track for and where is your focus the second half of the year?

 

Photos: Woman writing: Risager; Life in 10 Yrs: lulumon athletica

Filed Under: Planning Tagged With: 2012 goals, 2012 halfway mark, goal setting, meeting your goals, successful goals

A Goal Setting Plan that Actually (Gasp!) Works

January 3, 2012 by Joe Saul-Sehy 10 Comments

When I was a kid, I’d tell my mom proudly that my room was clean. After a quick glance, she’d send me back in, saying something about “my version of clean” and “her version.” While I’m still not sure what she was talking about, many people set New Year’s Resolutions with good intentions, thinking they’re pretty good.

Then they’re disappointed when a few weeks later they’ve failed.

Do you want to be a failure when you practice goal setting?

Of course not.

Let’s find a better way. Today let’s try setting goals the way that financial advisors do with their clients. I can’t speak for everyone, but this method I’m going to describe worked well for me.

Never been in a financial advisor’s office? That’s why we call this site the Free Financial Advisor (irony, huh?). Here’s what I did with my clients in early meetings.

We set goals that stick. Here’s how:

…after we chained people up and made them swear off credit cards, we’d…

…of course I’m joking.

I’d begin a meeting by asking my client “what do you want for yourself?”

Although this is the same question people ask themselves when they make New Years resolutions, I received a much different answer. People would give me the goals they thought I’d want to hear, not what they really wanted.

Most often, they’d say:

1) I want college for my kids

2) I want retirement for myself

After I gasped in feigned surprise from hearing the same answer yet again, we’d dig deeper. gauri_gasp

But let’s discuss these two goals (education and retirement) for a moment before moving on. These two goals aren’t at all the same ones that you give to yourself OUTSIDE of a financial planners office. Outside, goals are exciting. You want a new boat. You want to write a book. You want to quit your dead end job and go work for yourself.

You want to be a masked man in tights, fighting common financial planning mistakes.

Oh, wait. That’s mine.

So here’s step one: Write out your true goals. If you give yourself the goal you think “you’re supposed to have,” do what I did with clients. Ask yourself “what else” until they’re exciting. Then keep searching until you can’t dream up any more.

Goal setting sessions should include both short term and long term goals. I’d make clients outline all their goals. Here’s why:

Every goal affects the other ones. How you plan for college is going to have a dramatic impact on your retirement plan. Whether you join the country club will be affected by how quickly you get your new business off the ground.

By this time, clients think we’re done. This is the end for people who complete a New Year’s resolutions list. We’ve outlined the goals.

We’ve gotten a good start, but we ain’t anywhere near done, sister.

Next, step two: we prioritize your goals. Here’s the question I’d ask to help someone prioritize their dreams during our goal setting session. I’d ask,

“On a scale of one to ten, how important is it that you reach this goal, the way you’ve described it to me?”

Here’s what people would answer…

– Oh, I really really want all of these.

Then, I’d ask: “If you can have goal 1, but not goal 2, which would you pursue?” Using the retirement and college example above, I’d ask, “If you could give your children the best college possible, but it meant retiring later, would you retire late or find other education options for the children?”

Everyone thought I had an agenda and that I knew what they were going to say. The answer was obvious. This was the cool part for me. The answer was obvious, but not to me. It was obvious to them.

At this point, people would give a nice sigh of relief. In their mind, goal setting was over.

But it wasn’t. Although your average New Year’s Resolution was way over, we were now halfway.

My next job? If I’m a professional asking about goal setting, I still don’t know the goal. Sure, for you it’s retirement or your kids’ college. For me, the goal is an amount of money.

We’ve done a ton of work, but still haven’t actually set the goal.

How do you know how much to save for a goal if you don’t know the target? I’m often amazed when I see people saving five or eight percent into their 401k plan at work.

I’d ask, “Why are you saving that amount?” I’d usually hear answers like:

– It’s what I can afford.

– It’s the amount my company match.

– It’s the cap in my retirement plan.

I can’t remember a time someone answered, “Because that’s the amount it will take to reach my objective.”

But isn’t that what you’re really trying to do with a New Year’s Resolution? Aren’t you trying to reach a goal?

Here’s what we’d do next: in step three, I’d ask my client how much they’re saving toward each goal. My goal wasn’t to embarrass them, but it was to make them understand that there’s a lot more to goal setting than just throwing out a list of dreams and prioritizing them.

Quickly, we’d proceed to step four, finding out what each goal costs. Every goal has a simple equation to reach:math joke

Money x Return = Goal

Money can be expressed as either savings or new contributions, and return depends on the amount of risk you want to take. Both factors affect each other. As an example:

If you need to save $10 (yeah, right….but let’s run with it) and achieve an 8 percent return to reach the goal, you now have some numbers to play with.

If you save $11, you could reduce the risk you take on investment.

If you achieve a high return, you can spend money on other things, speed up the goal, or Super Size it!

Once we know these numbers, then we can proceed with step five: create the plan to reach the goal. It doesn’t take long and we’re able to

Here’s my question: how do you know which you’d do until you’ve followed these steps:

1) Write out your true goals. Both long and short term.

2) Prioritize the goals.

3) Write out how much you’re currently saving toward the goal.

4) Find out the cost of the goal.

5) Create a written plan to reach the goal.

And there you have it! You’ve successfully completed New Year’s resolutions that are sticky.

Here’s the funny part: I didn’t do this process for my clients.

I did it for me. Because as their financial advisor, I knew they were going to hold me accountable to the goal, and I needed a clear picture of the goal and what it was going to cost before I recommended a plan of attack.

If the hired help does it this way for your goals, why don’t you?

Okay, now it’s your turn: What’s your #1 priority in 2012?

Mine? Lose 10 pounds. Cost: Weight Watcher’s membership. I work better on a team. Timeframe: 1 lb. per week/10 weeks till finished, then maintain.

Enhanced by Zemanta
Photo of Joe Saul-Sehy
Joe Saul-Sehy

Joe is a former financial advisor and media representative for American Express and Ameriprise. He was the “Money Man” at Detroit television WXYZ-TV, appearing twice weekly. He’s also appeared in Bride, Best Life, and Child magazines, the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers and numerous other media outlets.  Joe holds B.A Degrees from The Citadel and Michigan State University.

joesaulsehy.com/

Filed Under: Planning, successful investing Tagged With: financial advisor meeting, free financial advice, free financial advisor, Goal, goal setting, New year resolution, Self-Help

It’s A Bad Day When A Munchkin Dies

November 16, 2011 by Joe Saul-Sehy 9 Comments

I had to tear myself away from the petition to kick the Kardashians off the air long enough to write about a horrible event I just came across online.

This morning I read with much sorrow that Karl Slover, one of the last living munchkins from the The Wizard of Oz, has died at age 93. It says in the article that Mr. Slover enjoyed late-life acclaim at events celebrating the classic film. It’s inspiring that he was nearly as famous at 93 as he’d been when the film was made. He played three different roles and was one of the shortest munchkins at 4-foot 5 inches short. I’m sorry to say that my knowledge of all things “munchkin” is also short. I’ve only been an expert on the awesome round variety down at Dunkin’ Doughnuts (where’s my endorsement, DD…I plug you nearly every $#!@ post).

I DO know a little about their cousins, Oompa Loompas, from the 1971 film Willy Wonka and the Chocolate Factory (NOT that awful Charlie and the Chocolate Factory remake, thank you). Like Mr. Slover changed Dorothy’s life as he and his friends led the girl and her dog down the yellow brick road, Oompa Loompas helped change my world view. I’m not sure I wanted to get close to those creepy monkeys in the Wizard of Oz, but a golden ticket tour of a bad-ass chocolate factory? Sign me up, brother! That’s a world I would have loved to experience,

and some say that I still live in.

Regardless, as I said before: with apologies to Mr. Slover, I’m not an expert on munchkins, but I think Oompa Loompas have a lot to teach us about living.

 Let me count the ways:

1) They’re original. Oompa Loompas don’t worry about acting like “ordinary” people. They wear goofy outfits and have horrible hair. Most important: you’ve never seen an Oompa Loompa trying to keep up with the Jones’.

2) They sing all day. How awesome would it be to spend your day singing? Wouldn’t that wipe away your @#$! horrible mood? In my case, people around me would absolutely hate me, but crooning always makes me feel great, even though my vocal cords don’t know a note from a full-on letter. I don’t sing enough. I don’t celebrate enough. It’s time to start singing.

oompa_loompa3) They work in an awesome job. We’ve all read the statistics. Most people who are lucky enough to still have a job dislike their work. Baby, if I was making chocolate all day I know two things:  I’d weigh seven-hundred and fifty six pounds AND I’d be giggling every moment I wasn’t singing.

4) They stick close to the visionary. Willie Wonka wouldn’t be the easiest boss to work for, but I’m fairly certain his brain wasn’t focused on charging thirty cents more so they can meet Q2 earnings. He didn’t have time for cover sheets on TPS reports. Nope. Willie was designing a flippin’ elevator into the sky and was intent on finding the right person to carry out his legacy. That’s a guy to have as a friend. 

What does this have to do with you? With money?

Money is a fuel for your life. The passing of a munchkin should remind us that we’re only here for a finite amount of time before we’re all off to see the wizard. Forget the dead end job and your next four percent raise. Chuck social climbing and start mountain climbing. See the world. Celebrate. Set goals and use good money habits to claim your own chocolate-fueled adventure.

….and most of all: remember to sing.

-Facts in story: Us Weekly story, 16 Nov. 2011

-YouTube video: Warner Brothers pictures

-Willy Wonka pic: Warner Brothers pictures

Here’s a sales pitch, but it’s for awesome stuff:

Don’t have any of these three classic films? Why not make holiday shopping easy AND support your favorite blog at the same time?

Photo of Joe Saul-Sehy
Joe Saul-Sehy

Joe is a former financial advisor and media representative for American Express and Ameriprise. He was the “Money Man” at Detroit television WXYZ-TV, appearing twice weekly. He’s also appeared in Bride, Best Life, and Child magazines, the Los Angeles Times, Chicago Sun-Times, Detroit News and Baltimore Sun newspapers and numerous other media outlets.  Joe holds B.A Degrees from The Citadel and Michigan State University.

joesaulsehy.com/

Filed Under: irrelevant stories, Meandering Tagged With: goal setting, karl slover, motivation, munchkin dies, Oompa Loompa, Willy Wonka

FOLLOW US

Search this site:

Recent Posts

  • Can My Savings Account Affect My Financial Aid? by Tamila McDonald
  • 12 Ways Gen X’s Views Clash with Millennials… by Tamila McDonald
  • What Advantages and Disadvantages Are There To… by Jacob Sensiba
  • 10 Tactics for Building an Emergency Fund from Scratch by Vanessa Bermudez
  • Call 911: Go To the Emergency Room Immediately If… by Stephen Kanaval
  • 7 Weird Things You Can Sell Online by Tamila McDonald
  • 10 Scary Facts About DriveTime by Tamila McDonald

Copyright © 2026 · News Pro Theme on Genesis Framework