As we begin a new year, what is the number one “thought” you have about money? Is it a fear? A hope, desire, or goal? When you think about money where does your mind instinctively go? Here are some examples we’ve heard from students and clients:

  1. Most that we talk to don’t have much saved or know what trajectory they’re on, and are a bit scared.
  2. Marriage and Money. Not being on the same page with their spouse and not knowing what to do about it.
  3. Crisis / unpaid bills. Every month is a challenge to get bills paid on time or what’s more common is, the first three weeks are great and it’s the last week where they are white-knuckling it.

Every one of these is a common, valid concern. And you know what these folks all have in common? They lack a plan. They don’t have a good roadmap for what to do with money. We all think we know, but for the most part good money management isn’t taught in schools. At best we adopt the habits our parents have.

We know what that’s like. At one time or another, we have experienced each of these thoughts / fears, and more.

What about you? What are your thoughts, fears, hopes, wishes about money in 2018? Let us know in the comments.