Experts Share Strategies for Achieving Realistic Financial Goals in 2025

Practical advice emphasizes specific planning, habit-building, and finding enjoyment in managing personal finances.

Financial planners recommend breaking large goals into smaller, actionable steps, such as increasing retirement contributions incrementally or tackling debt strategically.
Building an emergency fund is prioritized over paying off low-interest debt, with experts suggesting at least one to three months of living expenses saved in a high-yield account.
Starting resolutions before January 1 with a detailed review of the previous year's finances can help establish a solid foundation for success.
Couples are encouraged to align financial goals through open communication, addressing shared priorities like retirement savings or major purchases.
Gamification and regular 'money dates' are proposed as creative ways to make financial management more engaging and sustainable.