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Some people love to set super-ambitious goals, thinking that even if they don't make those goals, they'll still achieve more than if they set lower goals. Other people get a buzz with stretch goals. Give them more incentives, and they'll achieve more.
But over-stretched goals can be counterproductive.
People are motivated by regularly achieving challenging goals.
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All improvement in your life, including financial improvement, begins with you clarifying your true values, committing yourself to living consistently with them, and then aligning everything...
Hold the idea of wealth and success in your mind long enough and hard enough, until you draw into your life the resources you need to accomplish it.
Your main focus is to keep your mind fixed on improving your personal finances and achieving financial independence.
Keep your vision in mind, but start wherever you are.
Work back from the future to the present. Make a list of the logical steps, in order, that you need to take to get from where you are to where you want to be. Then figure out what big or small action you can take today.
Successful people give up all the time. If something is not working, smart people don’t repeat it endlessly. They revise. They adjust. They quit.
Just like the saying goes...