I hope the new year is off to a great start for you and your loved ones. I know that for many of you, a new year brings hopes and intentions of working on new goals, and often those goals are financial in nature. But what I see happen so often is that people have good intentions but aren’t very clear with themselves about what the actual goal is. Wanting to decrease debt is a goal. Or increase savings. Nothing wrong with that. Except they lack specifics, and that’s a big key to not just setting goals but reaching goals. Here’s a framework that will help you work toward any money goal.