I detest setting goals because I view them as a stark reminder of my financial inadequacy. These words by Christine Benz shook me out of my financial lethargy: “You know how it is when you don't start a day with a to-do list. You get buffeted around by whatever comes up: phone calls, answering emails, chatting with colleagues. Managing your finances without first articulating your near- and long-term goals is pretty similar. The days will go by, and you'll no doubt find plenty of ways to spend your money. But you won't necessarily get to where you really wanted to go.”
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