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Without a clear target, freedom stays a dream.

With a target, it becomes a plan.

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Step 4: Choose Your 12-Month Financial Goal

We’re not trying to become millionaires overnight.

We’re trying to get small wins that build belief and momentum.

Here’s the trick:

Pick a goal that's a realistic stretch — something that challenges you but doesn’t overwhelm you.

A good 12-month starter goal might be:

• Save $5,000
• Earn $500–$2,000/month from a side hustle
• Pay off a chunk of debt
• Build a $1,000 emergency fund

If you’re unsure, a great default is:

“Earn $1,000/month outside of my job within the next 12 months.”

That number is small enough to feel possible...

but big enough to start changing your life.

✅ It’s action time now: