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How to Set Money Goals

Do you know you need to set money goals, but keep putting it off? When it comes to setting money goals, many people focus on what they DON’T want instead of what they DO want. If you’re ready to break those patterns and start attracting more abundance into your life, it’s time to learn how to work with the subconscious mind! Keep reading to learn how to set money goals in a way that will magnetize them into your life!

Do you find it difficult to set money goals?

Maybe you’ve tried to in the past, but it hasn’t worked out… or you just don’t know where to begin?

Or maybe you don’t think you need them?

One of the most common self-sabotaging behaviors I see around goal-setting is when someone just doesn’t set a goal at all! So today, let’s talk about the right way to set money goals so that you can actually accomplish them!

1. Be Specific

The first thing I want you to know about setting money goals is that it’s key that you get your subconscious mind onboard.

Your subconscious mind is made up of all the processes that you’re not consciously aware of. At any given moment, our minds receive more than 2 million bits of information… but our conscious mind can only process about 126 bits of it. That means that your subconscious mind is constantly running the show behind-the-scenes.

Your subconscious mind is always working to solve the problems you serve. This is why when you’re setting money goals, it’s important to remember to be specific.

For example, if you just set the goal of making “more money,” you could find five bucks in your jeans on laundry day and your subconscious would say, “Great! We found more money.”

But when you choose specific money goals, your Reticular Activating System (RAS), which is the filter between your conscious and subconscious mind, can start to guide you to the people, information, and opportunities that can help you achieve those goals. Then, it’s up to you to follow those hunches and take action.

So really get clear on what your money goals are.

Do you want to earn $10K per month?

Or $20K per month?

Maybe you want to save enough money for your down payment on a house? How much would that down payment be? Give it a specific number!

2. Picture What You DO Want (Instead of What You DON’T Want)

Have you ever noticed that when you focus on what you don’t want, you actually bring more of that into your life?

Think about it:

Have you ever noticed that when you say “I don’t want any more debt,” suddenly a big bill shows up?

Or “I don’t want any more bills!” and then your car breaks down or your rent increases?

It’s because our subconscious mind is SO powerful… and it doesn’t process negatives. It doesn’t understand the words “don’t, not, won’t, can’t.”

If I tell you, “Don’t think of a brown paper bag,” you’ll immediately think of a brown paper bag.


Because your mind HAS to pull up a picture of a brown paper bag to even process that sentence.

This is why it’s so much better to state our money goals in the positive.

So if right now you’re only aware of exactly what you DON’T want, thank that thought, because it’ll give you more clarity on what it is that you DO want.

For example, if you want to get out of debt, don't focus on the debt… put your focus on the number you’d need to create to be debt-free, and then some.

So if you have $10K of debt, maybe your money goal could be to earn $20K so that you can pay off your debt AND put $10K in the bank.

Start to get clear on what that number is, and what it’ll look and feel like when you log into your bank account and see that goal achieved.

3. Shift How You See Yourself

If you’re finding it hard to set a specific, positive money goal — if it feels too big or scary, or you can’t even decide on a goal — this tip is for you.

Something that comes up for my clients around setting money goals is that they just can’t find clarity on a goal or make a decision to go for it.

This is when you want to start looking at your beliefs about yourself.

Your beliefs create your thoughts, which create your reality.

So if you believe that you’re an indecisive person, you could have the best ideas in the world, but you won’t settle on a decision.

Start to affirm to yourself that you’re a decisive person.

A focused person.

An abundant person.

That you are a person who creates their own reality.

When we work at the identity level like this, we can make changes that filter down through our entire reality.

This is because Identity is one of the higher levels of the mind, and it trickles down into our values, beliefs, capabilities, behaviors, and environment.

If we JUST try to make changes at the behavioral level, it’s going to feel like a lot of effort.

But when we’re willing to step into the identity of a successful person, that will start to show up in our beliefs, thoughts, behaviors, and actions.

Try working with affirmations to start to program this new identity. Even a mantra as simple as “I have goals!” can start to open you up to inspiration.

You’ll be amazed at what kind of magic shows up in your life just by stepping into the identity of someone who creates their own reality!

4. Attach High Vibe Emotions to Your Money Goals

One of the things I constantly work with my clients on is making sure to attach the right emotions to their money goals, like love, excitement, and joy…

…Instead of attaching fear to their money goals by thinking, “What if it doesn’t work out?”

Whatever you’re on the same vibrational scale is what you’re going to bring into your life.

So if you’re constantly thinking of anger, guilt, fear, apathy… you’re going to magnetize more experiences of those energies into your life.

Instead, you want to be vibrating at a high level, staying in the energy of what it would feel like to see all your money goals achieved.

So take a second to picture that moment.

What will you see, hear, and feel when your money goals are achieved?

How will you know that it’s done?

What vibration will you be at?

Joy? Happiness? Abundance? Gratitude?

The more you can practice gratitude now, BEFORE your money goals are achieved, the more you’ll magnetize more positive things into your life.

5. Share Your Money Goals!

My last tip for you on how to set money goals is simple…

Share them!

Remember that everything that was ever created started as an idea. In order for anything to be created in the physical reality, someone like you had to make that decision and start taking action towards it.

When you write your money goals down or speak them out loud, think of it as their first manifestation in the physical reality!

So share your money goals in the comments below so we can cheer you on!

Are you ready to build your business and create your legacy?

We believe every woman can build a legacy. In each woman is passion, creativity, and determination. At Legacy Creative, we help women entrepreneurs realize their dreams and push their businesses forward. Click here to apply to work with with us so that we can show you the way!

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