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How to Set Financial Goal: 6 Steps to Achieve Wealth with Clarity​

Author

Zap Krish
February 22, 2025

A goal is a strong desire that motivates you to work hard even if you are depressed or in any condition. It is a kind of desire for which you work and make sacrifices.

But the question is “We are working daily, but without a goal?”

Let me ask you first, “DO YOU HAVE ANY CLEAR GOAL?” The answer is no (in most cases). But we often have uncertain goals, like becoming rich or buying a luxurious house. All of these goals are uncertain, and they cannot succeed. You should have such goals as I’ll have $XXXXX on this date DD/MM/YYYY.

In the book ‘Think and Grow Rich’ Napoleon Hill outlines six steps to setting financial goals.

How to Make Financial Goal

Napoleon Hill mentioned 6 practical and definite steps on how to set financial goals.

1. Fix Your Mind: Fix your mind about the definite amount of money you desire. Not like a penalty of money. The desired amount should be clear. (E.g. $326233)

2. Exchange Policy: What you can contribute for that desired amount. You cannot get something, for nothing. You have to develop some skills or you have to work.

3. Fixing Date: You have to fix a date. (E.g. 16th April, 2030)

4. Execution: To change that desired amount into reality. You have to create a plan with practical steps. And execute that plan whether you’re ready or not. Just do it.

5. Write Everything: Napoleon Hill mentioned that write everything about the exact amount you desire. The time and the plan and how you are executing that. Just write everything.

6. Affirmation: Read that twice a day aloud. This fixes your subconscious mind. If you are reading that again and again, then your subconscious mind becomes active and the whole universe will help you to achieve that amount of money.

Another benefit of reading helps your action process.

Financial Goal Clarity Exercise

1. Write Down Your Goal

  • Take a piece of paper or open your notes app.

  • Write a specific amount of money you want to achieve (e.g., "$100,000 by December 31, 2028").

2. Define Your Exchange Policy

  • Ask yourself: What value will I provide in exchange for this money?

  • Write down at least three things you can do (e.g., "Start a side business, learn high-income skills, or invest wisely").

3. Break It Down

  • Divide your goal into smaller milestones (e.g., "$20,000 per year or $1,667 per month").

  • This makes it more achievable and measurable.

4. Create a Vision Card

  • On an index card, write your goal in the present tense:
    "I am earning $100,000 by December 31, 2028, through my business and investments."

  • Keep this card in your wallet or stick it where you’ll see it daily.

5. Daily Affirmation & Visualization

  • Read your goal out loud every morning and night.

  • Close your eyes for 2 minutes and visualize yourself achieving it feel the emotions of success.

Always With You,

Zap Krish :)

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