davidNprogress

I still remember the day I realized that my daily diet coke habit was stealing my retirement dreams. At the time, Coke was running a promotion using a code from a bottle cap to get prizes. You would save your cap, enter the number on a website and points would add up for something fabulous. I kept these caps in a desk drawer and it did not take long for these to really pile up since I had a long time frequent habit of visiting the machine at work several times a day. There was the before work Coke, mid-morning Coke, lunch Coke, mid-afternoon Coke and usually something towards the end of the day. One afternoon I looked at the pile of caps wondered how much in cost that represented. Next, I began to think about cost over time and if I continued this pattern what it would mean in the long term. The final kicker was when I plugged in my average monthly diet coke spending into a savings calculator and considered how much $5 a day applied to retirement could mean if saved for the ne...

If you read my previous post you understand the importance of goal setting to reach success. You must also be committed to joining the 9% club by following through with what you want to achieve. Everyone is different and how you organize your goals needs to be your own but I thought I would share what has worked for me over the years. A key thing to know is that goal setting is not a one-time event. Goals are to be in progress at all times and there is nothing wrong at all with having things that will take years to accomplish. This is why having them in writing and updated regularly will help you. If you need a model for structuring your goal there is always the classic SMART format. S pecific--What do you want? M easurable--How will you know you have achieved it? A ttainable--Is this goal even possible? R elevant--Will the goal make a positive difference for you and/or others? T ime--when will you start, what are milestones along the way and when will y...