BiggerPockets Money Podcast - How to Set FIRE Goals and Actually Achieve Them (2026)

Episode Date: December 23, 2025

Episode #704 ~~~ Download the Goal Setting Document: www.biggerpocketsmoney.com/resources  ~~~ Subscribe to the 31 Day Challenge: www.biggerpocketsmoney.com/31days  ~~~ Subscribe to our Weekly Newsletter: www.biggerpocketsmoney.com ~~~ Want to be a guest on the show? Apply here: https://biggerpocketsmoney.com/contact/ ~~~ Get 50% Off Your First Year of Monarch by using code ‘Pockets’: https://www.monarchmoney.com/ ~~~ Connect with Scott and Mindy: Scott: https://www.instagram.com/scott_trench/ Mindy: https://www.instagram.com/_mindyatbp/ ~~~ Follow BiggerPockets Money on Social: Facebook: https://www.facebook.com/groups/BPMoney Instagram: https://www.instagram.com/biggerpocketsmoney/ ~~~ Learn how to set and achieve your 2026 goals in this episode of the BiggerPockets Money podcast with hosts Mindy Jensen and Scott Trench. In this episode, Mindy and Scott review their 2025 achievements and create actionable plans for 2026, covering everything from family milestones and fitness goals to business ventures and financial targets. You'll discover proven goal-setting techniques, strategic planning frameworks, and practical tips for turning New Year's resolutions into real results. What You'll Learn: Strategic goal-setting frameworks for personal, financial, and professional growth How to set realistic yet ambitious goals for 2026 Accountability strategies to actually achieve your resolutions Real examples of personal finance goals and wealth-building plans How to track progress and adjust goals throughout the year And SO much more! Learn more about your ad choices. Visit megaphone.fm/adchoices

New years means new goals. And today we are doing hours live. Scott and I are looking back on what we've accomplished this year and we will walk through our goal setting process for 2026 across personal life, professional growth and financial targets. Hello, hello, hello, and welcome to the Bigger Pockets Money podcast. My name is Mindy Jensen and with me as always is my loves to set goals co-host, Scott Tritch. Thanks, Mindy, great to be here with my resolute co-host, Minnie Jensen. Like Mindy said, I think setting goals is hugely important. I think that the end of the year is a great time to look at all of this progress and look towards next year. You know, I'm so into goal setting that I can't help myself.

I actually probably spend way too much time setting and revising and those types of things with goals on there. Consistency and sticking with it every single day is definitely my bigger challenge than having clear goals. I love it. I can't get enough of it. And I'm excited to talk about it today. Well, let's jump into it, Scott. Let's recap 2025. What did you accomplish personally,

professionally and financially. On the personal side, we welcomed our newest family member this year. That was not really a accomplishment of mine, but rather of my wife's. Thank you, Virginia. Great job on there. Thank you for all the sacrifice. That goes into everything around there from the pregnancy to, I mean, it's just crazy in there. But that's been wonderful to welcome Taylor into the trench household and see her kind of develop and grow. And she finally moved into her sister's room This week actually, and that's gone pretty smoothly. So that's been really fun just watching the family grow. On the personal front, I'll also say as CEO, I was definitely completely obsessed with my work.

A lot of the things that you find with like very, you know, career-oriented people and the challenges that that provides in their life, those were definitely happening to me in a lot of different areas. And I was able to unwind a lot of those things and really kind of reset into a much better place where I'm much, much healthier in my personal life, my family life, all those kinds of things. All that has just completely done a 180 since this time last year when things are really challenging for me, frankly, in a lot of ways. On the professional front,

this has been just one of the most fun years profession I've ever had. It's so fun to do this show and to actually have the time to kind of think about, hey, what ought we to talk about on the show? For eight years, we were doing this. I mean, how many times did I show up

and I would just arrive, like, after three hours of straight meetings, you know, and then we'd go right into a recording, and I'd kind of have to catch up while we're doing that, And it's so refreshing to be able to do it in a different way right now and actually kind of pour my heart and soul alongside your efforts now into the great content we do here at Bigger Pockets Money on a more part time to full time. Sometimes it's can stretch into full time, but rarely here at Bigger Puckets Money on there. So that's been awesome. Just kind of do that. I've been working on building the skill set of software development, which was never something I could personally do or even really talk through at all.

I was totally inept at that this time last year. And that's been really fun. And then on the financial side, I would say the. biggest win has been my mindset shift from accumulation to preservation. I don't think I'm in decumulation mode right now, but I'm in, I don't have to play this aggressive, build ramp up my wealth creation game long term. I can play a much more defensive game and live off the cash flows in my portfolio. That's been a big transition for me. So those are my wins. How about you, Mindy? Well, personally, your youngest daughter was born this year. My oldest daughter went

off to college this year. And that was quite a big change for our household. We went from four people in the house to three people in the house. She has settled into college out in California and is really loving where she's at. I have been on a weight loss journey when you're over 50. Losing weight can be really difficult. I have lost 30 pounds so far this year with another 20 to go. So that'll be, you know, next year's goal too. Professionally, I am really, really, really. really loving the continued path at bigger pockets money. We're making great content, Scott. We have more time now that you have stepped away as CEO. We have more time to collaborate on ideas and collaborate on shows ahead of time. You have always been really awesome at just, and I say this with the most love in my heart, showing up to talk instead of putting more of the planning process, being part of the planning process. And now I think we're just even better now that we have your thoughts in. the planning process as well. So that's the professional front. Financially, it's been a pretty good year, Scott. We have had some great investments that went really, really well. Carl and I were able to

get into a private equity situation that just doubled its valuation. So our financial position is really becoming a game now. Now it's more of, you know, we've got the baseline. financial independence done. We've got, you know, fat fire done. And now it's just a game, where can we take some investment risks for outsized returns? Because everything's now finalized, you know, everywhere else. I'm also building a house right now doing zero percent of the work. I have an excellent crew building me a house that it's just going so well, knock on wood. And I'm absolutely knocking on my desk on purpose. I want to knock on that wood because if anybody has done a house build from the ground up. You know that things can change in a heartbeat. But so far,

it is on time and on budget. So fingers crossed that that continues. In July, Frank Vasquez came on the show and walked me through creating a portfolio, a risk parity portfolio, golden ratio portfolio. I started with $10,000 in July. I withdrew $42 in July right after we created the account. I pulled $42 out. The reason being $42 is 5% of the portfolio divided by 12 for the monthly withdrawals so I can see what was going on monthly. I have withdrawn $42 in July, August, September, October, and November. I withdraw at the end of the month. So I'm getting ready to make my final withdrawal of the year. My portfolio value is $11,02 right at this moment that we're recording.

So lots of positions are up. And this is after withdrawing. I have more money than when I started and I've been withdrawing 5%. Or the equivalent of 5%. So that's been a fun experiment. I'm excited to see what happens in 2026 there. Sounds like a good year for both of us here. It was a pretty good year.

Now, what did you start out the year with from a goals perspective? Honestly, I don't think I set any goals this year. I was in a different place in my life. And Scott, working on the 31 days challenge has given me more clarity on goal setting in general and how I can use goals to, like, encourage myself to get to those goals as opposed to just like, oh, I want to have a good day today. I've never really spent a lot of time on goals before, but I'm really excited to do that this year. How about you? Where did you start at with your goals this year and how'd you end up? Well, let's pull them up from last year.

Let's see what I said this time last year. What I wanted to do is I wanted to be a proactive husband and father and create a lot of happy memories, specifically being ready to welcome our incoming baby into the household. I wanted to set bigger pockets up for a smooth transition and cheer on the new leadership that was going to come into bigger pockets. And I wanted to transition my portfolio to passive management so that I could begin to live off of it in a more robust way on a go forward basis. So I generally accomplished all of those goals. And I will also say I layered in after my transition, some pretty hardcore fitness goals, which I'm sure we'll talk about as we get in here. I did not accomplish all of those fitness goals on there, but they were kind of absurd goals that really weren't practical, which I'm sometimes guilty of.

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In November of 2024, you and I had a photo shoot. And at that photo shoot, we weighed the same. same. Do you mind if I share your weight, Scott? Sure, go ahead. Okay, so we both weighed 190 pounds. I'm 5'4. Scott is how tall are you, Scott? I'm 6'1. Yeah. So very different heights. My body should not weigh them as much as Scott's does. And now I have lost 30 pounds. Scott, you have gained 30 pounds. Show your muscle, Scott. Oh, yeah. Look at these. Scott's got some guns. I've been really realistic a lot of weeks. Scott's been on a weight gain journey. I bought a home gym and a barbell, and I've been doing that almost every single.

I've done it almost four days a week for almost the last six months. So I've been definitely becoming a meathead here in the back half of the chair. But you feel better. Like this is how I know Scott. I met Scott 10 years ago, 11 years ago when he was some young kid that was still playing rugby on a regular basis, very fit, very into fitness. And as you grew in your corporate job, you're spending more time at work and less time at the gym. So I'm excited to see your new found old fitness level back, Scott. I know that's real important to you.

I definitely feel better this way. I've tried a number of things for me having a lot of muscle mass. There's a lot of benefits that seem to go along with it for like mental clarity, thinking the ability to eat more. I've always found it very difficult to control my food intake on a long-term basis. And having more muscle mass makes that very easy. I actually have to try to eat enough to maintain the muscle mass. So that means that there's a room for that. 20% of so of junk to get in there without being a problem on that front. So I still do a good

amount of cardio as well, but I just, I just find it easier for me to kind of look and feel good, or at least the way I think I look good and feel good by having muscle mass. But everyone's different. That's just my personal preference. And that seems to be working for me now. Well, yeah, it's working great, Scott. You, by the way, look great. Like, we meet in person probably once every two weeks. You know, we have one schedule every week. Every other week we probably make it to breakfast. And it's just been incredible seeing Mindy's transformation this year. Yes.

I have also joined a gym. I go to F-45, if there's any other F-45ers out there. I really enjoy the workout because I am not like Scott. I didn't grow up working out and playing every sport. I didn't do any of that. So going to the gym is actually kind of difficult for me because I don't know what I'm doing. So F-45, when you get there, the trainers walk you through the workout that day. It's always a different workout.

they walk you through each different station. There's a video screen at the front of the gym that shows you what each station is supposed to be doing in case you forget, which I do a lot. So I don't have to put any thought into my workout. I just show up and do the work, which has like prevented me from going to the gym. I mean, I was going to the gym.

I've been going to the gym for years and making absolutely zero progress. So seeing progress is so motivating to keep going. Okay, Scott, we've both had a pretty good 2025. let's look at your goals for 2026. What has been your historical goal setting process and what are your goals personal goals for 2026? You know, as we all know, I am a huge goal setter.

I take it super seriously. I love nerding out about it. I think it's foundational to so many good things in life coming your way eventually. I think you get what you want, or at least with the goals you set eventually in many cases. Not everyone will do that, but I think there will be a fairly high,

percentage of people who if they are very clear about what they want and work towards it, we'll get it eventually. And so I've done this since the moment I graduated college, heavily influenced by one of my neighbors. Shout out to Adam August. Thank you for all you've done for me. Adam is a big goal setter and gave me this journal from a success guru named Darren Hardy called Living Your Best Year Ever when I was right when I was graduating college. And I've been fortunate enough to just keep doing that every year. I actually bought a bunch of these journals and hit him out to people over the years. No affiliation with Darren Hardy, just like his stuff. What that evolved to when I got married, Virginia and I went on our honeymoon.

I made her sit down and talk about our life vision on there and kind of brought a draft. And it was great. We did it for a honeymoon for like 15, 20 minutes, maybe 30 minutes. And it's so funny looking at that, you know, five, six years later and seeing, yes, there's some differences in there. But what's remarkable is how much of that has stayed the same and how much of that is now actually our reality. There's lots of privilege and luck that goes into that, but I also believe that you can't get exactly what you want, if you don't know exactly what you want.

So an output of that looks kind of like this document. I'm showing my screen here. This is the BP Money goal setting template. We tried to distill a free goal setting process. This is just available at biggerpocketsmoney.com slash resources. If you want to download that and try it out, we can have this a vision. It's just like a one page of a piece of paper that says,

here's what our home looks like. And this is an update for this year. It's got our two kids, our handsome kitty cat, Fred. What is our day-to-to-day life? style look like, how do our things going? What are our work commitments? What does our weekday look like? What does our week ends look like?

What's our community look like? What's our physical fitness? How's our financial position in our situation? And this is just that one page document and all of our goals derive from this document. So we updated this last quarter and we'll update it again this quarter. Every quarter, a sentence or two changes,

but it's remarkable again, how much now stays consistent each time we revisit the document. And it's really helpful to ground ourselves in the next quarter goals to make sure that they are derived from this document and making sure that they're continuing to either maintain or improve upon that life vision. So that's where it all starts for Virginia and I and for my goal setting process here on a regular basis. Scott, I love this document so much that I made it day two of the 31 day challenge that we're doing for our listeners, our audience. If you would like to get a better handle on your entire financial picture, sign up for our 31-day challenge at biggerpocketsmoney.com slash 3-1-D-A-Y-S. It is a free challenge

every day. You'll get an email with a task to help you get a better handle on your finances, to help take your finances to the next level. And this document, Scott, when you first showed me this document that you created, it was like, this is amazing. And Carl and I, went and sat down outside of our house completely separate, no distractions, and sat down to fill this out. We didn't get it all done in one day because of course we had other things that we'd said yes to already. But we are so excited to be more in line with each other and just having this conversation, start thinking about the goals that we want. I love this from a five year perspective. What does your life look like? I got some big goals to accomplish in the next five years.

And I'm real excited about them. So Scott, what are some of your goals? For 26, I can have four of the categories of goals. Their family, fitness, entrepreneurship, in the sense of bigger pockets money, and then some lifestyle goals. Notably, this is the first year. I do not have a financial goal. I do have some entrepreneurship goals, but I'll share those in a second. Actually, I'll start with this.

They're a third on my list, but I'll start with them here on the business front. There's kind of three top goals here. One is, I really want to build a really high-quality suite of DIY financial planning tools for the Bigger Pockets community. I think that there's an opportunity for folks to perfect, like this concept of a financial plan to distill that and personalize it and build it yourself and then decide if you want to bring that to a financial planner for that extra I or extra feedback. But I think that's a really big, the next level for Bigger Pockets money listeners. And I think that will help a lot of people. And I think we can pre-populate them, you and I, Mindy,

with, you know, 10 or 25 of the most common types of situations we've encountered. from Bigger Pockets Money listeners to give folks a really good starting point on that journey. So I think that's really fun and we'll have a lot of impact. We'll make all of that free. We probably will make money somehow from that with ads or, you know, if you need Monarch money to set your financial position, we have a partnership with them. But I think that that will be a really powerful outcome for the community. Similarly, I want to learn how to vibe code and code software and want to build a financial

planning software application that's along those same lines. You want to do it on PDF in Excel? Great. You want to do it on a software? here it is, it's free. And just kind of make all that stuff free. I think that's a really fun project. It's a great kind of like professional output for the thoughts and the skills and the knowledge that you and I have built up over all these years. I think that's a great way to just spit it out in something that could be useful for the world. And then the last one is to make sure that the

business is cash flow positive and then continue to grow on that front. And so that's, those are kind of the three goals for entrepreneurship. Let's go next with my family goals. So I have this kind of goal of a high level of having the best year of marriage with Virginia. ever and that involves a cadence of activity it's not so what is this what is the stuff that needs to happen every week and every in every day to make that happen and those kind of spit out to a number of trips our weekly meeting weekly dates and walks and games and talks i want to have events with friends family and neighbors that are pleasant for our whole family i want to have regular giggles full presence at family time with our two little girls i want to make sure that our girls are developing appropriately

and i want to make sure that household equity is in balance this year that was something that got way out of balance, especially in the last few years with my job as CEO. And I have a lot of work to do to rectify that imbalance and want to work on that in the course here of 2026 and 2027. So those are kind of my high level family goals. For fitness, I'm not sure if these are absurd or not. So I don't know. I've never actually trained the way I'm training right now.

So I'll see if I can get to these. But I think a pretty ambitious set of goals here. This whole like protocol I've built out here. I got the protocol word for Andrew Huberman, who I was a huge fan of before the the harem protocol emerged. and still think he provides really good valuable information here. But I kind of have this goal of like, I want to look strong and lean. I want to meet objectively high strength and aerobic standards.

And I want to feel and look young and energized. And that involves weightlifting goals, which spit out to a 315 bench for six, a 405 squat for six, and a 495 deadlift for six. And I also want to supplement with running over time and build up to a place where I can do four lifts and four runs in a week. And that will take me a lot of time. I found that that can really drain my body if I try to do it too quickly. So I want to build to that over the course of the year.

And ideally that will spit out with me being able to hit those weightlifting benchmarks and run a sub-20-minute 5K. Now, that may be absurd. I don't know, but I'm going to try it and see how far I can get and see if that really begins to hurt or cause problems for me. And if it does, then I'll dial it back. I have a diet goal. I have a recovery protocol here with certain supplements I'm taking.

Nothing crazy, just protein, creatine, fish oil, and a multivitamin, sleep and sauna. and then I have skin and hair care and prevention and screening, like all that kind of good stuff around blood work. And so that's kind of the goal. And I'm not too far off from these numbers right now. It will definitely take a lot of hard training for me to get to those goals. We will work around to the recordings of this show to a certain degree

to make sure that I'm able to accommodate those because I have to do my workout one in the morning, one in the afternoon, but separated by six hours on the days I do two a days. That's my kind of fitness goal. And then from a lifestyle perspective, I've added this in. I want to hit 10 weekday ski days, 10 weekday hikes, 10 weekday bikes. I want to do four trips with Virginia. I want to do one or two solo trips with friends or family.

Maybe go see an Eagles football game. I'm a big Philadelphia Eagles fan. I'd love to go out to the link. I've actually never gone to a game at the link. I am a league of legends player. I want to get to the next rank in that game. I won't tell everyone what that rank is because then they'll make fun of me for how much I play and all that kind of stuff. And I want to average 10,000 steps.

I will not accomplish all of those. I always, I set big goals and I get a good chunk of progress each. year I look at them, but I will not hit all of those goals. Those are all stretch goals. Those are, if I accomplish even a 50% of them, I'll be very thrilled with 2026. Wow. So my goals and goal setting is slightly less robust. Sorry, Indy. I just go crazy with this stuff every year. I can't help myself. Well, and you've been, how long have you been out of college, 20 years, 30 years? 12 years, yeah. 12 years. Okay. So you've been doing this for 12 years. I have been hearing since I was out of college that you should be setting goals.

You should have goal setting, blah, blah, blah, blah. I don't actually do that. Or I haven't historically done that. And I would love to do that, but then life jumps in the way. Anybody listening who is more Mindy than Scott, don't feel bad that you haven't historically set goals. Now is a great time to change that. And next year is a great time to change that.

And the year after that is a great time to change that. So please don't compare your goal setting journey, especially at the beginning, to Scott's 12 years in really kind of obsessed with setting goals. goal setting journey. He's got a two-page document just on his fitness. I just want to get to the gym five days a week for at least 35 weeks next year. I don't know if that's quite the same. I'm not going to be doing the 495 pound deadlifts that you're doing, although I did get to 99 pounds recently. Woohoo! I have lots of different parts of my body that need to be worked on before I can actually get more weight on that bar. My elbow gets really sore. Like my hands aren't strong enough to hold the bar, so there's just lots of things

preventing me from that 495 pound deadlift goal that you have Scott. Pretty sure I'll never have that same goal. But again, Scott's goals are Scott's goals. And there has stretch goals at that. So don't feel bad that your goals aren't the same. This can be really unhealthy for me. I have this ultra competitive streak in me and I need an outlet for it. And I'm so glad to have a very healthy place for that in my fitness protocol,

which is really where I will be pouring in the sweat. I think that acknowledging that your level of obsession with your goals is, is good. But also, do you feel like you have to check in on these every single day? And if you didn't accomplish it, you're a worthless human being? Or are you like, oh, I better try harder next time? No, I start with what I think is optimal. Like, what does what does good look like? And then I do not, I guess that's the other thing is I do not beat myself up if I miss these goals on there. I think that's really important. Because if you did beat yourself up, then it's an unhealthy goal setting. So anybody listening, if you've got these goals and you're like, oh,

I'm such a terrible person because I didn't meet them. Stop. You're doing too much goal setting. However, if you're more like Mindy, you're like, yeah, I heard about goal setting, but I've never done it my whole life. Like maybe you should have a little bit more focus. I'm like kind of hardcore about this. This is a core habit I've developed. I think there's a lot of healthy things that this has brought into my life and a lot of continuous improvement.

I'm able to continue moving forward. And I think that I'm starting to here in 2026 begin to move away from this accumulation of money. as a primary life goal for the first time, which is good. And I think that in three to five years, these goals are going to look very different. And I'm going to have really developed my philosophy to many of the things that Frank Vasquez, I go back and forth of them every day now on Facebook chat about various things, is going to influence on there. And I think I'll have yet another turn of the page or revolution in my thinking on that front. Okay, Scott, I really like the very different goal setting.

that we have because I think that there's going to be some people who are just like you. Your goal setting and hyper focus allowed you to become CEO of bigger pockets at age 28. Let me just say that I was not CEO of anything at age 28. And now you have no money goals at age 35 because like you've already done it. Meanwhile, I still have money goals and I'm 53. It's a very different position. I don't think you're right. I don't think I'm right.

I think we're just different people. So different people are going to come at it. different ways. So long as you're not beating yourself up when you don't make your goals, but instead changing your mindset, okay, maybe that goal was too much or, okay, let me figure out, I haven't been focusing on that, which is why I haven't reached it yet. Let me put more focus into that. My focus, my personal goals this year are to get to the gym five days a week for at least 35 weeks next year. I fully believe that I know I've got several week-long vacations where I'm not going to get to the gym. I'm probably going to get sick. There's going to be days weeks that I don't get there

five days. But getting to the gym five days a week, it makes me feel better every day. First of all, I get there at 7.30 that I'm done. I don't have to do it anymore that whole day. It's great. Knock it all out. But I'm feeling better. I'm feeling stronger. I'm feeling healthier just because I've got this regular cadence and I'm seeing results. That's the big thing, seeing results. So if your gym isn't doing it for you, maybe try a new gym that has a different focus or maybe you know, get there more frequently than once a month because that's probably not going to get you the results either. I want to host Friday night dinners. I live in Longmont. The formerly known as the Mr. Money Mustache HQ is now being rebranded into a social club called the Phi Collective. And

we host a lot of events there where there's multiple people and I'm talking to a lot of people, but because there's so many people there, I don't get a lot of one-on-one time with people. I would like to have one-on-one time with people. So every Friday in 2026, or at least 35 of the 52 Fridays in 26, I would like to host people at my house so I can have a more intimate conversation. And like you want to have a better relationship with Virginia, Carl and I are celebrating 24 years of marriage on January 19th. And yay, we've got a great marriage. But it's really easy for we've got a great marriage. Therefore, I don't have to work on it to become more prominent in your mind or even like in the back of your mind. So I want to do weekly dates with Carl. And I don't guess that I'm

going to get 52 of them. But I think I can get 35. 35 is a really great goal. That's 35 weeks next year. I'm going to succeed because I do want to continue to have a really great relationship with Carl. And I've started creating a bucket list. Carl and I sat down and we were on a cross-country drive. and we added a ton of stuff to our bucket list. I really like football, and I have only been to the Chicago Bears Soldier Field Stadium. Old Soldier Field, not the new toilet bowl one. One of our bucket list items is to see a game in every NFL stadium. So in that case, I am more aggressive than you in my goal setting, Scott, because you only want to see one stadium.

I want to see all 32. I love these goals. Like, these are fantastic. But wait, there's more. professionally, I want to improve my social media and Bigger Pockets Money social media because we don't really, we kind of ignore it. And I think there's there's lots of ideas that I have in my head that don't actually pan out for a show, but could be like a two minute video somewhere or a 30 second video somewhere. So that's something that I want to do to just continue to give our audience more

information. I want to continue to grow our show, our brand new website, which is biggerpocketsmoney.com, and what we're giving to our audience, you're doing a lot of the heavy tech lifting, and I'm never going to compete with you for that. But like I mentioned earlier, we've got this 31 day email challenge. That was so much fun for me to, you know, collaborate with you and with Bobby and with Blake on what the ideas were and then to write out those emails. I'm super excited to see how this goes. If anybody is looking to get a better handle on their finances, again, that's the 31 day free email challenge that you can sign up for at biggerpocketsmoney.com slash 31 days. And it's self-led. You can skip a day and then go back and do two tasks the next day or just, you know,

push it out longer. It's a pretty heavy duty task list, but you will have a much better handle on your finances once you get yourself through it. Financially, I want to finish building the house that we are building, sell my current house. And a stretch goal is to hit eight figures in net worth. That would be kind of fun. And, of course, get a better handle on my finances as I do that 31 day challenge because that is a totally do as I say, not as I do. I have not done all of the tasks yet.

Yeah, I will say that I didn't include a personal finance goal because I don't, I don't really have a goal of growing my, my net worth this year. But that I did kind of cheat by saying that I want to actually complete all of the outputs that we're putting together for 2026, including the 31 day finance. financial planning challenge and including a updated DIY financial plan using the best practices that I plan to develop over the course of the next year for myself. So that should spit out good results and it's kind of cheating in the context of not having a financial goal. But it's really just about maintaining best practices for me versus how do I grow this? There's other goals now.

I think these are great goals, Mindy, and I think that they're very achievable for you as long as you don't get injured. That's my big mistake in all these lifting protocols over the years is I do too much and get injured. And so that's, this is very cautious moving in that direction for me. I think you're going to have a wonderful 2026. I think you're going to have a great 2026. The deliver regular giggles to your girls is such a sweet, sweet goal. That is one where I feel bad. I'm like, I didn't, I never, I didn't make my my little baby or Katie laugh today. You know, that's one where I will beat myself up a little, a little bit at the end of a day or or a week. I will encourage you to take a ton of pictures. I am not really a picture taker,

but Carl is. So we've got so many pictures of the girls from when they were little. And Katie will love to go back and look at what she was like when she was a baby, just like Taylor will. So showing them little videos, if they say something cute, there were several times that, like several things that Claire said that we never got on video. So I just encourage you to take all the pictures as you possibly can. All right. We're going to envision what the rest of this conversation

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to all customers. Visit Northwest Registeredagent.com slash money-free and start building something amazing. Get more with Northwest Registered Agent at Northwest Registered Agent.com slash money-free. Welcome back. Mindy, one fun thing is there was a goal of doing trips with the girls from a few years ago. Then we had two little kids and that is no longer to do the trips, to do lots of trips with the girls.

We need a couple of getaways as adults here. We love our little girls very much, and we look forward to trips to them, but maybe when they're like a couple years older. I know some people can do it, but you found it very challenging. I don't know who said this, but I read somewhere, they said, if you have small children, you're not on vacation. You're just parenting in a different location. So I totally am on board with you pulling back on the family trips for a while, because it's a lot. I don't know what everyone I'm listening does. There's no like a real wrong way to do this.

You don't need to set goals. if that's not your thing here. But I have found it very helpful for me personally. And again, if you want to use the template that Virginia and I use or a free version of that, go to biggerpocketsmoney.com slash resources and look for the goal setting template. You can download as a PDF or open it as a Google Doc on there.

And then if you do want that journal that I've used all these years, it's called Living Your Best Year Ever by Darren Hardy. You can Google that and go find it online. It's kind of expensive. It's like 40 bucks out there. But I found a nice little journal that helps me keep my weekly, progress and I'm addicted to it. That's my, that's my pattern now. It's set. And I found a great value in that kind of stuff. So some version of that, you know, I think is so helpful. And one last tip I'll

use is if you are going to get into the goal setting thing and make it, you know, this next year, your big push for that. I think give yourself some grace. It's really hard to stay on track every single day. But one thing that I found much more achievable is to every Sunday, spend 15 to 30 minutes, just planning out the week and making sure, hey, I said these were my top three goals. I'm doing at least one or two things to progress each of them this week? And even if you don't hit those goals, if you just plan them out and look at them every Sunday, you will eventually make those first SNCC. How often is the next step on a key goal just sending an email or blocking time on your calendar?

How often is it just like as simple as that to make it happen? And that's what that power, that does for you. It just reminds you of what you need to do to make that stuff happen. Yep. And if you find yourself in several weeks drought between checking in on your goals, just start over. You don't have to say, oh, I got to wait until next January to do it again. I am fully expecting to fall short of some of my goals and to fall short on my checking in with my goals. Oh, you know what, Scott?

I'm going to put that in my calendar. Check in on my goals every Monday because if it's out of my calendar, it's not getting done. I love that. If you do it 10 weeks next year, and you haven't done it, been doing it for a while, you might find pretty remarkable progress on it. Even if you only do it one every five weeks, are you thinking about checking on your goals? So don't beat yourself up if you're not doing this every single week. I do not do this every single week. I'm a big goal setter, and my consistency is definitely hit or miss over the years.

But I never go six months without progressing against something. You know, that's the real key, been the real key for me over the years, I think. Yeah, that's awesome, Scott. All right. So if your goal is to get your finances in order or to get a better handle on your finances or to take your finances to the next level, join us in our 31 day free email challenge, which is bigger pockets money.com slash 31 days. All right, Scott, should we get out of here? Let's do it. That wraps up this episode of the Bigger Pockets Money podcast. He is Scott Trench. I am Mindy Jensen saying got to go, Lo.