Psych Yourself Rich: Get the Mindset and Discipline You Need to Build Your Financial Life

2. Establish Goals

“The quest for money is a misguided goal.”

Joseph J. Luciani, The Power of Self-Coaching

Let me tell you about a young woman who came to me for financial help last year. She was 24, mostly unemployed—except for a few one-off promotional jobs here and there—and living with her boyfriend rent free. She had some $20,000 in debt, was struggling to make ends meet, and had come to New York City to pursue modeling and acting. “What are your goals,” I asked at our first meeting. “To be a famous actress and make millions of dollars,” she said, with an innocent sparkle in her eye. She would refuse to listen to her naysaying mom and friends who explained she had a one-in-a-billion chance of becoming the next Angelina Jolie. You need to ...