Have you heard about goals-based investing? It puts you in control by focusing on how your investments can help you reach your goals.

The 2018 Winter Olympics seem to have flown by, just like always. Anyone who knows me understands what a junkie I am for all the events. I’ll watch just about anything that involves people sliding over snow or ice. However, there are two skating events that stand out in my mind: long- and short-track speed skating.

All too often, we put up barriers that stop us from realizing our goals because we think we lack the very thing we’re hoping to achieve. People won’t start running because they run out of breath easily. Continuing education is put off because people don’t know if they have enough knowledge to complete the curriculum. While it’s beneficial to start an endeavor with the “end in mind”, realize that it’s starting with whatever you have that’s most important.

As I wrote this, I was enjoying coverage of the 81st Masters. It’s often said that only golfers and gardeners can enjoy televised golf; however, I think anyone with an interest in excellence, whether athletic or otherwise, can enjoy the precision and emotional control with which the best players play the game.

I recently ran a half marathon for which, frankly, I hadn’t prepared for properly. Racing is something I really enjoy, but it takes more than charm and natural ability to be successful. Running isn’t an activity you can fake – if you haven’t put in the miles, you won’t get the results.

Last January, my friend made a New Year’s resolution to lose 100 pounds. He consulted his doctor and worked with a nutritionist to design a healthy weight loss plan. I suggested a ’diet only‘ plan may not be the best approach.

As we near the end of the year it’s common for people to be disappointed with their accomplishments over the past twelve months. January is the traditional month for setting goals for the new year while the frenzy of December activities often leaves little time for reflection.

Small contributions made early on can have lasting effects over time.

For many of us, January is a time for setting goals, while February is the month when we start justifying our inability to achieve those goals. Does this sound familiar?

Enjoy life on your own terms. Have a financial plan.