Goal Clarity: Turn Them Inside Out
Setting financial goals isn't always straightforward and simple (although for the most part it should be). Succeeding financially is less about making monumental changes to lifestyle and more about introducing more and more money saving habits into your day to day routine. Black coffee instead of a latte. Water instead of coffee. Dirt instead of water. You get the idea. What about the concepts that aren't so simple? Like deciding whether to purchase bonds, stocks, or investing in real estate?
Instead of focusing on the specifics, I suggest that you first turn the problem on it's head and look at what will definitely make you fail financially. It's a simple task that doesn't require nearly as much thought, and it simplifies the solution that you're actually looking for without getting lost in the weeds of details. An example of a definite failure financially would be to always spend more than you earn. This is a sure fire way to fall flat on your face and end up a leech on your young descendants, or if you're not so lucky to have a genetic support system, you'll be left on the streets to die once you are too old to work. If you even make it that far, you might be slaving away deep into your 70s and keel over after that 7,892nd morning donut. Not a future anyone wants to plan for, and yet it happens to so many people because they never stop to ask themselves how to do it wrong, and realize that is the path they're on.
Worrying about exactly what to do right is what keeps you from just doing any of the dozen right things. What is important, for example is not how or where you invest and save but that you simply invest in something or save something. Since we fundamentally know that the recipe for financial ruin is to not save, then we simply do the opposite.
Same thing works for physical fitness. What makes you feel like garbage? Don't do that thing, don't eat that thing, try to avoid that thing at all costs and you're already halfway there, and you haven't even considered joining a gym yet (or building one in your back yard). You know that if you sit on your ass all day, your physical fitness is going to reflect that. Your heart knows it doesn't have to work as hard - so it relaxes a little. Why use energy to pump around blood to limbs and muscles you're not using? It's really just economics of your internal energy management. Money management is the same way. You get used to a certain way of life, and seemingly automated processes in your brain kick in and say "why would I spend time and energy on cooking my own food when I'm not harmed in any way by paying to have someone make it for me every night?" Whereas if you step back and look at the big picture, you'll realize that it's just your lizard brain wanting to use as little energy as possible in it's ultimate path to death.
It's a lot easier to give advice than it is to take it. It's easier to see problems from the outside rather than inside. It's easier to see financial problems than solutions. Considering that most solutions are clear when viewed through the lens of a failure (ask winning sports teams, coaches, Michael Jordan, olympians, any champion) you learn more from failures than successes - but the cool thing about being a human is that you can learn from perceiving an experience just as you can from having the experience yourself. There are so many people in the world now that there is not a problem in your life that has not been overcome by someone else already.
So picture failure. Envision yourself having failed and the choices you made that made you end up there.
Then do the opposite.