{"id":15499,"date":"2021-01-11T11:52:31","date_gmt":"2021-01-11T00:52:31","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15499"},"modified":"2021-01-11T12:01:45","modified_gmt":"2021-01-11T01:01:45","slug":"goals-for-2021","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/","title":{"rendered":"The 6-step process I used to set my personal financial goals for 2021"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15500\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/2021-goals-blog-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2021-goals-blog-email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?resize=1000%2C250&#038;ssl=1\" alt=\"Goals for 2021\" class=\"wp-image-15500\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The beginning of a new year is a great time to take stock and set personal and financial goals for&nbsp;2021.&nbsp;I wanted to share the process that I use personally. It has worked well for me and of course,&nbsp;I use the same approach when&nbsp;advising&nbsp;my clients too.&nbsp;&nbsp;<\/p>\n\n\n\n<p>It\u2019s particularly useful to undertake this exercise&nbsp;after you have had a break, which most of us do over&nbsp;the&nbsp;Christmas\/New Year&nbsp;period.&nbsp;That way you should have&nbsp;enough emotional energy to think and reflect clearly.&nbsp;It\u2019s&nbsp;not&nbsp;a good idea to&nbsp;review finances and&nbsp;set goals if you&nbsp;are tired&nbsp;and in need of rest.&nbsp;&nbsp;<\/p>\n\n\n\n<p>This whole process shouldn\u2019t take more than a&nbsp;couple&nbsp;of hours for most people. This small amount of time is perhaps the&nbsp;best investment you can make&nbsp;in any given year.&nbsp;&nbsp;<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/778089?theme=light&amp;enable-volume=true&amp;iframe-height=190\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-1-review-what-went-well-and-not-so-well-during-2020\">Step 1:&nbsp;Review&nbsp;what went well and not so well during&nbsp;2020&nbsp;&nbsp;<\/h3>\n\n\n\n<p>Mistakes tend to offer us the best learning opportunities&nbsp;\u2013&nbsp;when everything goes exactly to plan, we typically&nbsp;learn very little. Therefore, the first step is to review everything that went&nbsp;wrong, or you could have done better&nbsp;last year.&nbsp;That could include not investing when you had the opportunity, not selling assets,&nbsp;wasteful&nbsp;spending and so on.&nbsp;&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Procrastination or the inability to make a decision can be just as costly as making the wrong decision. The share market&nbsp;certainly taught us that last year. If you had invested in&nbsp;a&nbsp;<a href=\"https:\/\/www.vanguard.com.au\/adviser\/products\/en\/detail\/wholesale\/8101\/equity\" target=\"_blank\" rel=\"noreferrer noopener\">world share market index&nbsp;fund<\/a>&nbsp;in&nbsp;April or May 2020&nbsp;(i.e.&nbsp;not the bottom of the market),&nbsp;the&nbsp;value of&nbsp;your&nbsp;investment&nbsp;would&nbsp;have increased by more than&nbsp;20%&nbsp;to date&nbsp;(which&nbsp;equates to&nbsp;an annualised return of&nbsp;34% p.a.).&nbsp;&nbsp;<\/p>\n\n\n\n<p>Once you have identified any and all mistakes, ask yourself what you can do&nbsp;in the future to avoid repeating them. I like to \u2018blame the system, not the person\u2019. That is, don\u2019t blame&nbsp;yourself. Instead,&nbsp;aim to systemise your financial decisions. Set rules that you must follow. As&nbsp;<a href=\"https:\/\/wealthcoach.com.au\/stage\/emotions-financial-decisions\/\" target=\"_blank\" rel=\"noreferrer noopener\">I have written about previously<\/a>, it is challenging to remain unemotional when decisions involve your own money, so don\u2019t be afraid to ask for help.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-2-review-existing-investments-and-any-unachieved-goals-from-2020\">Step 2:&nbsp;Review existing investments&nbsp;and&nbsp;any&nbsp;unachieved goals&nbsp;from 2020&nbsp;&nbsp;<\/h3>\n\n\n\n<p>The next step&nbsp;is to review&nbsp;all&nbsp;existing investments to ascertain whether any changes need to be made.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Have any investments under-performed,&nbsp;or&nbsp;do you need to take profit&nbsp;on investments that have done well?&nbsp;Do any&nbsp;investment&nbsp;properties&nbsp;require maintenance or are you unsatisfied&nbsp;with your property manager?&nbsp;Do you need to refinance or&nbsp;restructure&nbsp;your mortgages including fixing interest&nbsp;rates?&nbsp;Increase personal insurance? Update your wills?&nbsp;Consolidate superannuation accounts or review its&nbsp;investment&nbsp;performance?&nbsp;These are examples of some of the questions you must ask yourself.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Were there any&nbsp;tasks or goals that you set to achieve during 2020 that were not completed? If so,&nbsp;you\u2019ll need to add these items onto your list for this year.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-3-estimate-your-surplus-investable-cash-flow-for-2021\">Step 3:&nbsp;Estimate your surplus investable&nbsp;cash flow for 2021&nbsp;&nbsp;<\/h3>\n\n\n\n<p>The next step is to work out how much surplus cash flow you expect to have&nbsp;this year.&nbsp;Remember, the basic&nbsp;principle&nbsp;to&nbsp;successfully&nbsp;build wealth is&nbsp;always spend less than you earn and invest&nbsp;the difference. Or, put diffidently, invest a fixed amount&nbsp;as a priority&nbsp;and spend what\u2019s left over.&nbsp;&nbsp;<\/p>\n\n\n\n<p>I&nbsp;set out the most successful cash flow management banking structure in&nbsp;<a href=\"https:\/\/wealthcoach.com.au\/stage\/cash-flow-management-practices\/\" target=\"_blank\" rel=\"noreferrer noopener\">this blog<\/a>&nbsp;last year. Almost all of my clients use this structure and have found it to be very successful and a painless way to eliminate any wasteful expenditure<sup>1<\/sup>.&nbsp;It also allows them to&nbsp;manage&nbsp;expenditure levels&nbsp;on an ongoing basis&nbsp;without needing to track every dollar or cent.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Are you good&nbsp;at managing your cash flow?&nbsp;Do you confidently know how much you spend and where?&nbsp;Most people know whether they need to&nbsp;tighten up cash flow management or not. If so, I strongly recommend implementing the structure I have set out above.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Once you have ascertained how much you will contribute towards building wealth i.e. the difference between your income and expenses, you can move to step 4.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-4-allocate-cash-flow-to-maximise-long-term-wealth\">Step&nbsp;4:&nbsp;Allocate cash flow&nbsp;to&nbsp;maximise long term wealth&nbsp;&nbsp;<\/h3>\n\n\n\n<p>The next step is to work out what to do with this cash flow. Of course, there are many options including repaying&nbsp;or offsetting debt, acquiring additional investments such as shares or property, making additional contributions into super,&nbsp;accumulating a cash savings buffer and so on.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The best question to&nbsp;focus on is&nbsp;\u201chow do I allocate my cash flow in 2021&nbsp;in order&nbsp;to maximise my financial position&nbsp;by&nbsp;2031&nbsp;(or later)?\u201d.&nbsp;This question forces you to focus on the long-term fundamentals&nbsp;and more importantly, ignore&nbsp;any short-term&nbsp;<em>noise<\/em>. Financial decisions that&nbsp;are based on sound fundamentals&nbsp;almost always&nbsp;turn out to be the correct decision.&nbsp;&nbsp;<\/p>\n\n\n\n<p id=\"h-low-interest-rates-create-two-competing-opportunities\">Low interest rates&nbsp;create two competing opportunities.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Low interested rates maximise your&nbsp;surplus&nbsp;cash flow&nbsp;thereby making it easier to repay or reduce debt. Of course, it is much easier to repay a loan when the interest rate is 2% p.a.&nbsp;compared to&nbsp;8% p.a.&nbsp;Therefore,&nbsp;2021&nbsp;provides&nbsp;a good window of opportunity to&nbsp;reduce debt.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Conversely, repaying debt might save you&nbsp;between&nbsp;2% to 3%&nbsp;p.a.&nbsp;in interest&nbsp;expense.&nbsp;That is not a very high return. And if we expect&nbsp;interest&nbsp;rates to remain low&nbsp;for a few years,&nbsp;it is reasonable to assume that&nbsp;its likely you can earn a higher return by investing in other assets such as shares.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Both of these observations are correct. Often,&nbsp;the most appropriate approach is to find a balance&nbsp;and do both \u2013 reduce debt and invest. But of course, it depends on your financial position and goals.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-5-review-ongoing-matters\">Step&nbsp;5:&nbsp;Review&nbsp;ongoing&nbsp;matters&nbsp;&nbsp;<\/h3>\n\n\n\n<p>The final step is to&nbsp;review all other ongoing financial matters including estate planning documents (wills, power of attorney, etc.),&nbsp;personal&nbsp;insurance&nbsp;(income protection, life and TPD, etc.), tax&nbsp;planning,&nbsp;interest&nbsp;rates&nbsp;and mortgage structure,&nbsp;superannuation and so on.&nbsp;These matters should be reviewed periodically \u2013 at least every 1-2 years&nbsp;\u2013 just to ensure they are current.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The goal is to identify anything that needs to be actioned during 2021.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-step-6-set-goals-and-an-action-list\">Step&nbsp;6:&nbsp;Set goals and&nbsp;an&nbsp;action list.&nbsp;&nbsp;<\/h3>\n\n\n\n<p>After you have undertaken the 5 steps above you should have a clear list of things to do or action during 2021.&nbsp;Prioritise the list and do the most important task first. Delegate as much as possible.&nbsp;You should surround yourself with a professional and trustworthy team that may include a financial adviser, accountant, mortgage broker, insurance advisor&nbsp;and property advocate.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Of course, notwithstanding my vested interest, it would be remiss of me to not mention that engaging a holistic financial services firm makes this&nbsp;whole&nbsp;planning experience a lot simpler.&nbsp;You have one team,&nbsp;that is all on the same page,&nbsp;working for you to make your financial and lifestyle goals become a reality.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-goal-setting-tips\">A goal setting tips\u2026&nbsp;<\/h3>\n\n\n\n<p>I hope it doesn\u2019t sound too \u2018out there\u2019 but&nbsp;there are some steps you can take to&nbsp;increase the likelihood of you achieving&nbsp;your goals. I have used these methods over the years,&nbsp;and they have worked for me.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The first&nbsp;idea is to create a vision board \u2013 see&nbsp;<a href=\"https:\/\/www.huffpost.com\/entry\/the-scientific-reason-why_b_6392274\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>. A vision board is a visual representation of your goals.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The second&nbsp;is to write a&nbsp;vision i.e. describe a day in your life assuming that you achieve your goals. Be as specific as possible. Where you live, how much money you have in the bank, your relationships, what you do day-to-day, how you feel, etc.&nbsp;\u2013 whatever is important to you.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>And thirdly,&nbsp;created accountability for achieving the tasks\/goals that you have set out for yourself.&nbsp;Select a&nbsp;friend&nbsp;or&nbsp;family member and share your goals with them. Then ask them to meet with you every quarter to hold you accountable.&nbsp;Being held accountable massively increases your chances of success.&nbsp;&nbsp;<\/p>\n\n\n\n<p>If you haven\u2019t done anything like this before, it&nbsp;may&nbsp;sound&nbsp;a bit&nbsp;weird. But I\u2019d encourage to give it a go.&nbsp;There\u2019s a very good chance it will work.&nbsp;&nbsp;<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>The beginning of a new year is a great time to take stock and set personal and financial goals for&nbsp;2021.&nbsp;I wanted to share the process that I use personally. It&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Goals for 2021: 6-step process I used to set my personal financial goals<\/title>\n<meta name=\"description\" content=\"Here&#039;s the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 6-step process I used to set my personal financial goals for 2021\" \/>\n<meta property=\"og:description\" content=\"Here&#039;s the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\" \/>\n<meta property=\"og:site_name\" content=\"Prosolution Private Clients\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-11T00:52:31+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-01-11T01:01:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png\" \/>\n<meta name=\"author\" content=\"Stuart Wemyss\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:site\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stuart Wemyss\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\"},\"author\":{\"name\":\"Stuart Wemyss\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8\"},\"headline\":\"The 6-step process I used to set my personal financial goals for 2021\",\"datePublished\":\"2021-01-11T00:52:31+00:00\",\"dateModified\":\"2021-01-11T01:01:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\"},\"wordCount\":1610,\"publisher\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\"},\"articleSection\":[\"Financial Planning\"],\"inLanguage\":\"en-AU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\",\"name\":\"Goals for 2021: 6-step process I used to set my personal financial goals\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#website\"},\"datePublished\":\"2021-01-11T00:52:31+00:00\",\"dateModified\":\"2021-01-11T01:01:45+00:00\",\"description\":\"Here's the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.\",\"breadcrumb\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#breadcrumb\"},\"inLanguage\":\"en-AU\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/wealthcoach.com.au\/stage\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"The 6-step process I used to set my personal financial goals for 2021\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#website\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/\",\"name\":\"ProSolution Private Clients\",\"description\":\"Holistic Financial Services\",\"publisher\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\"},\"alternateName\":\"ProSolution\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/wealthcoach.com.au\/stage\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-AU\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\",\"name\":\"ProSolution Private Clients\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AU\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1\",\"contentUrl\":\"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1\",\"width\":300,\"height\":83,\"caption\":\"ProSolution Private Clients\"},\"image\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/\",\"https:\/\/twitter.com\/StuartWemyss\",\"https:\/\/www.linkedin.com\/in\/stuartwemyss\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8\",\"name\":\"Stuart Wemyss\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-AU\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g\",\"caption\":\"Stuart Wemyss\"},\"sameAs\":[\"http:\/\/www.prosolution.com.au\"],\"url\":\"https:\/\/wealthcoach.com.au\/stage\/author\/swemyss\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Goals for 2021: 6-step process I used to set my personal financial goals","description":"Here's the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"The 6-step process I used to set my personal financial goals for 2021","og_description":"Here's the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.","og_url":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/","og_site_name":"Prosolution Private Clients","article_publisher":"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/","article_published_time":"2021-01-11T00:52:31+00:00","article_modified_time":"2021-01-11T01:01:45+00:00","og_image":[{"url":"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/01\/2021-goals-blog-email.png"}],"author":"Stuart Wemyss","twitter_card":"summary_large_image","twitter_creator":"@StuartWemyss","twitter_site":"@StuartWemyss","twitter_misc":{"Written by":"Stuart Wemyss","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#article","isPartOf":{"@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/"},"author":{"name":"Stuart Wemyss","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8"},"headline":"The 6-step process I used to set my personal financial goals for 2021","datePublished":"2021-01-11T00:52:31+00:00","dateModified":"2021-01-11T01:01:45+00:00","mainEntityOfPage":{"@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/"},"wordCount":1610,"publisher":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#organization"},"articleSection":["Financial Planning"],"inLanguage":"en-AU"},{"@type":"WebPage","@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/","url":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/","name":"Goals for 2021: 6-step process I used to set my personal financial goals","isPartOf":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#website"},"datePublished":"2021-01-11T00:52:31+00:00","dateModified":"2021-01-11T01:01:45+00:00","description":"Here's the 6-step process I used to set my personal financial goals for 2021 plus some tips to maximise the likeihood of acheiving them.","breadcrumb":{"@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#breadcrumb"},"inLanguage":"en-AU","potentialAction":[{"@type":"ReadAction","target":["https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/wealthcoach.com.au\/stage\/goals-for-2021\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/wealthcoach.com.au\/stage\/"},{"@type":"ListItem","position":2,"name":"The 6-step process I used to set my personal financial goals for 2021"}]},{"@type":"WebSite","@id":"https:\/\/wealthcoach.com.au\/stage\/#website","url":"https:\/\/wealthcoach.com.au\/stage\/","name":"ProSolution Private Clients","description":"Holistic Financial Services","publisher":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#organization"},"alternateName":"ProSolution","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/wealthcoach.com.au\/stage\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-AU"},{"@type":"Organization","@id":"https:\/\/wealthcoach.com.au\/stage\/#organization","name":"ProSolution Private Clients","url":"https:\/\/wealthcoach.com.au\/stage\/","logo":{"@type":"ImageObject","inLanguage":"en-AU","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.prosolution.com.au\/wp-content\/uploads\/2016\/02\/ProSolution-logo-new-1-580x160-300x83.png?fit=300%2C83&ssl=1","width":300,"height":83,"caption":"ProSolution Private Clients"},"image":{"@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ProSolutionPrivateClients\/","https:\/\/twitter.com\/StuartWemyss","https:\/\/www.linkedin.com\/in\/stuartwemyss\/"]},{"@type":"Person","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8","name":"Stuart Wemyss","image":{"@type":"ImageObject","inLanguage":"en-AU","@id":"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ae5c5d8e27329e215a9779262143f501?s=96&d=mm&r=g","caption":"Stuart Wemyss"},"sameAs":["http:\/\/www.prosolution.com.au"],"url":"https:\/\/wealthcoach.com.au\/stage\/author\/swemyss\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p7FPzp-41Z","jetpack_likes_enabled":true,"jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/15499"}],"collection":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/comments?post=15499"}],"version-history":[{"count":2,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/15499\/revisions"}],"predecessor-version":[{"id":15502,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/posts\/15499\/revisions\/15502"}],"wp:attachment":[{"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/media?parent=15499"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/categories?post=15499"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wealthcoach.com.au\/stage\/wp-json\/wp\/v2\/tags?post=15499"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}