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Create Your your Dream Team

accountability financial goals

Our financial goals often seem like they should be really simple and even easy to implement. Let go of some expenses, put more money towards paying off debt, contribute more to savings, etc.  Why are these new money habits so difficult?  Why do we have to make similar money resolutions every single year?


You aren’t going crazy. The numbers part of our financial goals are actually quite simple. Usually some combination of more money coming in or less money going out has us reach our goals. But it’s not that simple because it’s emotional. The emotional and behavioral side of money is one we often neglect and that’s where the real results are.


One of the ways we can follow through on our goals and new habits is by creating support and accountability from our friends and family. I call these folks our Dream Team. While we might share our career or fitness goals with the people we love most and spend the most time with, we’re often not sharing our financial goals. That makes it really hard (if not impossible) for them to support us in those goals!


When armed with information about what we are out to accomplish, our Dream Team can be our cheerleaders, biggest fans and willpower when we are running low. You might even inspire them to share their money goals so that you can support them right back. This makes our chances of completing our goals and taking on new powerful money habit much much higher.


The stats don’t lie. The American Society of Training and Development (ASTD) did a study on accountability and found the probability completing your goal is:

  • 10% if you have an idea or goal.
  • 25% if you consciously decide you will do it.
  • 40% if you decide when you will do it.
  • 50% if you plan how  you will do it.
  • 65% if you commit to someone you will do it.
  • And 95% if you have a specific accountability appointment with a person you’ve committed to.


Ninety-five percent! That’s compelling.


First, think about a few people who you might want to include on your Dream Team. Start by sharing your goals with the person who feels least daunting on the list. These conversations get easier with time! Think about how you would feel if someone asked you to be on their Dream Team. It’s a huge honor!


Then, take it to the next level. How can your Dream Team support you? How can you support them? Will they be your lifeline when you are about to make an impulse purchase, hold weekly check-ins to track your progress or help you strategize when things don’t go as planned?


Our financial goals are just like any other goals.There is no better network of support than those who are out to accomplish similar things. If you are looking for a likeminded community of people out to improve their financial well-being, join the 30 Day Money Cleanse. Better yet, join with friends! Make the probability of achieving your goals in 2018 95% (or even better, 100%!).


Have questions or want to chat more about your 2018 goals? Email me at

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