{"id":211,"date":"2022-05-30T14:00:00","date_gmt":"2022-05-30T14:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/"},"modified":"2025-09-04T20:54:05","modified_gmt":"2025-09-04T20:54:05","slug":"how-to-reach-set-long-term-financial-goals","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/","title":{"rendered":"How to Reach Your Long-Term Financial Goals (and Set the Right Ones)"},"content":{"rendered":"
\n

This blog post was originally #inspired by a question that (seemingly) came out of the blue in an interview: <\/p>\n

\u201cIf someone wanted to save $50,000 over the next two years to buy a house, how would you suggest they go about that goal?\u201d<\/p>\n

Questions like this always feel a little\u2026funky, because it seems as though we did not pass go, did not collect $200, and did not set the stage whatsoever<\/em> for why this is the goal (or for whom).<\/p>\n

After all, someone who makes $50,000 per year is going to have a much harder time accomplishing this than someone who makes $500,000 per year, and\u2014as such\u2014their approaches would be different. <\/p>\n

After thinking about the best way to answer this question, it forced me to nail down a framework for tackling goals that can be applied to pretty much anything:<\/p>\n

Lucky for you, I even made it cute \u2018n memorable: The 3 R\u2019s of reaching financial goals.<\/p>\n

    \n
  1. \n

    Is it the right<\/strong> goal?<\/p>\n<\/li>\n

  2. \n

    Is it a realistic<\/strong> goal?<\/p>\n<\/li>\n

  3. \n

    Is it a reachable <\/strong>goal? <\/p>\n<\/li>\n<\/ol>\n

    \u201cRealistic\u201d and \u201creachable\u201d sound similar (I had to stick with the \u201cR\u201d theme, you know?), but they\u2019re intended to represent totally different aspects of the goal-setting (and goal-achieving) process. <\/p>\n

    Let\u2019s use the prior example to illustrate how this framework works: Saving $50,000 for a house in two years.<\/p>\n

    First question: Is it the right goal?<\/h2>\n

    *Everyone who\u2019s familiar with my rent vs. buy discourse<\/span><\/a> ducks and covers* <\/p>\n

    Fear not, dear Rich Girls and Guys, this isn\u2019t about to turn into an anti-ownership diatribe (though\u2026if you want\u2026<\/span><\/a>). Instead, I want to look at the numbers<\/em> and assess whether it\u2019s the right goal.<\/p>\n

    For starters, is it absolutely necessary<\/em> to put $50,000 down for the home? <\/p>\n<\/div>\n

    \n
    >
    \n \u201c<\/span>There\u2019s certainly a balance to be struck here, but it\u2019s worth double-checking that your perception of what\u2019s necessary is accurate. Make sure you\u2019re setting the right goal.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
    \n

    For example, if it\u2019s an investment property that won\u2019t be owner-occupied, there\u2019s typically a 25% down payment requirement\u2014which means the $50,000 down payment would <\/em>be necessary for a $200,000 property. <\/p>\n

    But if this is just a home-ass home that you\u2019re going to live in, it\u2019s possible you don\u2019t<\/em> need to put down a full 20% or 25% if you\u2019re comfortable with PMI (private mortgage insurance), which acts as insurance for the loan. PMI, after all, isn\u2019t that <\/em>big of a deal if it allows you to snag a good deal, take advantage of a low rate, or even just makes it possible for you to have less money tied up in your primary residence. (Just make sure that the PMI will come off the loan once your equity eclipses 22%, as I\u2019ve heard some lenders make it a permanent function of your payment.)<\/p>\n

    This same logic applies to setting emergency fund goals, too: If you\u2019re trying to hit six months\u2019 worth of expenses before you start investing because that\u2019s the arbitrary number someone handed you, it might be worth revisiting whether or not you really need<\/em><\/span><\/a> six months\u2019 worth of cash in the bank. <\/p>\n

    So: Is $50,000 necessary? Is that the right goal? Maybe you\u2019re trying to buy a $1mm stunner with $50,000 down. In that case, yeah, it\u2019s probably necessary (or maybe a bit low), but (in normal<\/em> housing markets) you can put down as little as 3.5% in exchange for a higher monthly mortgage payment and PMI. <\/p>\n

    I think there\u2019s certainly a balance to be struck here, but it\u2019s worth double-checking that your perception of what\u2019s necessary is accurate<\/em>. Make sure you\u2019re setting the right<\/strong> goal.<\/p>\n

    Second question: Is it a realistic goal?<\/h2>\n

    This is always the buzzkill question, but it\u2019s worth asking: Am I setting myself up to fail?<\/p>\n

    For example, if I know that I make $50,000 per year and my annual expenses are $40,000, then assuming I can stay the course and hit $50,000 in savings in two years is simply not realistic. I\u2019ll only hit $20,000 if I stay the course, in this hypothetical vacuum where taxes don\u2019t exist.<\/p>\n

    It sounds silly to state explicitly, but this is the step of goal-setting (and achieving) that people often skip\u2014they don\u2019t run the numbers to see if what they\u2019re trying to do even makes sense.<\/em><\/p>\n

    To extend this example\u2014someone who earns $50,000 and spends $40,000\u2014this person would need to either (a) cut their expenses by $15,000 ($1,250 per month) or (b) increase their income by $15,000 (or some combination of the two) in order to have a chance at saving $50,000 in two years. <\/p>\n<\/div>\n

    \n
    >
    \n \u201c<\/span>It\u2019s easy to dream big\u2014but running the numbers grounds you in reality and shows you where you\u2019d need to either cut back, earn more, or do both to make it happen.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
    \n

    If this hypothetical Rich Girl just named \u201c$50,000 in two years\u201d as the goal without taking a step back to plot out how that would actually happen, she\u2019d probably skid into home plate with $20,000 two years later and feel confused about why she fell short. <\/p>\n

    Sometimes just adding numbers around a goal helps clarify how it can become<\/em> realistic. After all, this person\u2014who earns $50,000 per year and spends $40,000\u2014could cut their spending by a more moderate amount ($625\/mo.) and increase their income by the same amount ($625\/mo., or $7,500\/year\u2014a 15% increase, or the average bump from switching jobs, ironically) and have no trouble saving $50,000 in 24 months\u2019 time. <\/p>\n

    To use another example: Our net worth goal by the end of 2022 was originally $1.75mm. When I set the goal, it seemed totally in reach, but after stepping back and running the numbers, I realized it might not be reasonable at all. <\/p>\n

    If we hypothetically have around $1.1m in May 2022, that means we have seven months to add $650,000 to our net worth (to say nothing of making up for market downturns along the way). <\/p>\n

    If the stock market ends up cruising this year (unlikely, given its current state), it\u2019d be possible\u2014<\/em>but that\u2019s adding money at a rate of $81,000 per month. Not exactly in reach unless we strike it lucky with a scratch-off, and our \u201cstretch\u201d goal should probably be closer to $1.5mm. <\/p>\n

    It\u2019s easy to dream big\u2014but running the numbers grounds you in reality and shows you where you\u2019d need to either cut back, earn more, or do both to make it happen. Make sure your goal is realistic<\/strong> for your current situation (or allow it to guide you to make the proper changes).<\/p>\n

    Third question: Is it a reachable goal?<\/h2>\n

    On the flip side of the first question\u2019s analysis about $50,000 potentially being too much, it\u2019s important to consider that a home that requires a $50,000 down payment today<\/em> may go up in value by the time you buy it in 2 years. <\/p>\n

    If the home appreciates by 5% per year, it\u2019ll be worth ~10% more by the time you go to buy it\u2014and your down payment will have to be up-sized proportionally. Nobody knows this painful truth more than people who started saving for a home in January 2020 for a home they planned to buy in 2022 (though I maintain, this market is really, really unusual).<\/p>\n<\/div>\n

    \n
    >
    \n \u201c<\/span>Having a ton of money sitting in a brokerage account will give you options, especially if you\u2019re flexible about your timeline.\u00a0\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
    \n

    This is why I\u2019m personally<\/em> such a raging fan of taxable brokerage accounts (like Betterment\u2019s \u201cGeneral Investing\u201d or \u201cBig Purchase\u201d accounts that are tied to a goal\u2019s timeline<\/span><\/a>) as a place to store wealth as you go. Even if you don\u2019t<\/em> know what type of house you plan to buy (or when), having a ton of money sitting in a brokerage account will give you options<\/em>, especially if you\u2019re flexible about your timeline. <\/p>\n

    (To be clear: If you will rage-streak through your landlord\u2019s yard if you don\u2019t get the house you want on the exact timeline you want it, the brokerage account may not be for you. Flexibility <\/em>is the key word here; you\u2019d have to accept you\u2019re risking your down payment shrinking<\/em> by 20 or 30% for the chance at growing it<\/em> by 20 or 30%.)<\/p>\n

    \u201cReachable\u201d goals are ones that account for these types of nuances\u2014so by the time you reach the goal<\/em>, you\u2019ll actually be able to fulfill the goal\u2019s intended purpose (in this case, the goal is $50,000, but the real<\/em> underlying goal is \u201cdown payment for a home\u201d). Check for nuances to ensure your goal allows you to reach<\/strong> what you\u2019re actually trying to achieve.<\/p>\n

    Striving for financial goals before you even have them<\/h2>\n

    This entire conversation is a testament to why my preferred method of financial goal-setting is reaching for goals before you even have them. In other words, strive for broader financial benchmarks that\u2019ll provide optionality later<\/em>.<\/p>\n

    \u201cBuy a house\u201d has not ever been a goal of mine, but because we\u2019ve had broader, more flexible goals (\u201cbuild wealth & become financially independent\u201d), we\u2019re now in a position where we could<\/em> buy a house. <\/p>\n<\/div>\n

    \n
    >
    \n \u201c<\/span>Strive for broader financial benchmarks that\u2019ll provide optionality later.\u201d<\/span>\n <\/p><\/blockquote>\n<\/figure>\n
    \n

    I know a lot of people (including me!) that emphasize the importance of having goals for your money, but sometimes I think it can force us to be a little too specific<\/strong>\u2014I want to buy a house<\/em>, or I want to eventually send my kid to college<\/em>. If you realize you want to buy a home and then start saving<\/em>, you\u2019re going to be waiting a while\u2014whereas if your goal is merely to amass wealth regardless of what you eventually use it for, you increase the chances you\u2019ll have what you need when you realize what you want. <\/p>\n

    Same goes for the whole college thing\u2014you may start seriously thinking about wanting to send your kid to college when they\u2019re 10, and now you\u2019re attempting to balance saving for retirement, paying for their overpriced basketball league, and investing in their college fund all at once. If you focus on \u201cbuilding wealth\u201d more broadly from day one (meaning, before the kid is even born<\/em>), you\u2019ll likely have enough to pay for college outright by the time they turn 18 (because\u2026compounding).<\/p>\n

    So while this article was about how to assess a goal, it might be fairer to say it\u2019s about not setting specific goals at all<\/h3>\n

    Building wealth across your qualified (read: retirement) and taxable accounts before you\u2019re in a position to want anything<\/em> major is\u2014paradoxically\u2014one of the best ways to guarantee you\u2019ll actually be able to get it. In doing so, you put time on your side. Waiting until your goal is crystal clear to begin working for it means unnecessarily delaying the compounding.<\/p>\n

    We tend to overestimate what we can accomplish in one year, but underestimate what we can accomplish in 10. Start today for whatever Future You\u2019s going to want 10 years from now (even if you\u2019re not able to answer the 3 R\u2019s questions yet). <\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    This blog post was originally #inspired by a question that (seemingly) came out of the blue in an interview:  \u201cIf someone wanted to save $50,000 over the next two years to buy a house, how would you suggest they go about that goal?\u201d Questions like this always feel a little\u2026funky, because it seems as though […]<\/p>\n","protected":false},"author":178814,"featured_media":2432,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-big-purchases-cars-and-houses.php","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[47,43],"class_list":["post-211","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-independence","tag-401ks-and-iras","tag-big-purchases-cars-and-houses"],"yoast_head":"\nHow to Reach Your Long-Term Financial Goals (and Set the Right Ones) - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Reach Your Long-Term Financial Goals (and Set the Right Ones) - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"This blog post was originally #inspired by a question that (seemingly) came out of the blue in an interview:  \u201cIf someone wanted to save $50,000 over the next two years to buy a house, how would you suggest they go about that goal?\u201d Questions like this always feel a little\u2026funky, because it seems as though […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/\" \/>\n<meta property=\"og:site_name\" content=\"Money with Katie\" \/>\n<meta property=\"article:published_time\" content=\"2022-05-30T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-04T20:54:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/moneywithkatie.com\/wp-content\/uploads\/2025\/08\/OnlinePay_Fire-Pink_100x756.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1001\" \/>\n\t<meta property=\"og:image:height\" content=\"757\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Katie Gatti\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Katie Gatti\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/\",\"url\":\"https:\/\/moneywithkatie.com\/how-to-reach-set-long-term-financial-goals\/\",\"name\":\"How to Reach Your Long-Term Financial Goals (and Set the Right Ones) - 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