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How can I set financial goals that are realistic?

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When it comes to setting financial goals, some people just go ahead to set bugous goals that are so big and they might not be able to meet it. They might say they want to be ambitious.

But how do we stay realistic with our financial goals? How can we set realistic financial goals?
 
If you are going to set a realistic financial goal then you need to know your financial capabilities first, how much income each month, how much money will be saved or invested. For example, if your monthly income is $ 1000 and your expenses are $ 800 then the ability to save and invest is only $ 200. If you set a goal of wanting to have $ 1 million USD in a year then it is not realistic. So your realistic goal is if you only want to have $ 2 thousand to $ 5 thousand USD in a year.
 
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