Setting Goals That You’ll Keep with Derrick Kinney - 164

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This week, we dive deep into goal-setting strategies that actually work. Whether you’ve already ditched your New Year’s resolutions or are just looking to reset your goals, this episode is packed with actionable insights to help you stay on track. My guest, Derrick Kinney, brings his expertise as “America’s Financial Educator” to share proven techniques for achieving financial and personal success.

The money talking points for this week are:

1. What does your ideal year look like?
2. What is a goal you would want and what pain would it cause to not achieve it?
3. What goals do you need to reset?

Find Derrick Kinney online

• Derrick Kinney’s Free Resource: GetTheRaiseYouWant.com
• Derrick’s Instagram: @DerrickTKinney

Episode Highlights & Timestamps

[00:00:00] Introduction

Why New Year’s resolutions often fail and why goal-setting shouldn’t be tied to January 1st.

[00:02:00] Meet Derrick Kinney

Derrick shares his inspiring journey from a lower middle-class background to becoming a millionaire by 37.

[00:04:00] Why Goals Fail

The cultural pressures behind resolutions and how personalizing goals makes them stick.

[00:06:30] The 30-Day Rule

Why taking a month to define your goals can set you up for success.

[00:08:00] The Power of Incentives

How rewards can motivate adults to stick to their goals (hint: tie your favorite concert or treat to your progress!).

[00:13:30] Resetting Goals

Derrick debunks the myth that goals can only be set at the start of the year.

[00:16:00] Big Goals vs. Small Goals

Breaking down large goals into manageable steps and why momentum matters.

[00:21:00] Financial Goal Setting

Derrick’s framework for tying financial goals to rewards and making money work for you.

[00:32:00] Dealing with Failure

How to recover and adapt when you fall short of a goal.

[00:34:30] Key Takeaways

• Forget perfection. Focus on progress.
• Write down your goals and visualize your ideal year.
• Celebrate wins—big or small—to keep your motivation high.

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