Creating an Action Plan for Your Personal Financial Goals

Tiana Clewis: Raise your hand if you have ever set a goal and had no clue how to make it happen.

The first time I bought a car... your girl... mmm mm. It was bad. Thank you daddy for the assist.

My first home purchase... totally lost. Almost got conned. It was really bad.

How does sell my house... all right, got a little better. Got a little better on that one.

Buying the second house... I definitely did better on that one.

But it was launching my business... now that one was impressive. I had this detailed step-by-step plan that allowed me to do what some people take months to do in just two weeks. Now that my friends, that is the dream.

So if you're tired of setting financial goals, only to stumble forward like a blind person, wasting time, money and energy, stay tuned because I'm going to show you how you can break down any goal into a crystal clear game plan that puts your mind at ease and confidence on 100.

Hey Dreamers and welcome back to my channel, where we break down all things money so it can stop being an obstacle and start acting like what it was meant to be: a tool to help you create a life you truly find worth living.

Now, before we started busting down these goals into action steps, let me introduce myself to the new folks. I'm Tiana B. Clewis, an author, speaker, and coach who's dedicated her life to helping women entrepreneurs transform their relationship with money so they can grow their income, dump debt and step into financial freedom... while still having some fun along the way.

Believe me, when I say that you can go back to school and pay for your kids' extracurriculars at the same time. I've done it and so have many of my clients.

If you want to join me on this journey, like this video and a follow my channel by clicking the red button below. Then hit the bell to make sure you notified when I drop new money tips and strategies each week, that'll help you hit those goals and reach that financial freedom.

First things first, I have to ask you a question: do you have financial goals?

It feels kind of silly that I'm asking this question considering what the title is, but I want... I want to be sure. Do you have financial goals?

And I don't mean a general idea of something you want to do eventually. I mean something specific, measurable, attainable, relevant, and time-bound that you've written down and committed to accomplishing in the next 18 months.

If the answer is "No," I need to redirect your attention elsewhere for a moment. You either need to check out episode 116 of the Dreamers Financial Playbook podcast or, if you're checking this out on YouTube, click the link above my head to watch my video on how to rethink your personal finance goals for 2020.

Then come back.

If you don't follow these very specific instructions that I'm giving you so that you can get clear on your financial goals - and goals that are designed to help you build a life you want to live - what I'm about to say is not going to be all that useful to you. So go there, do the steps, then come back.

Okay, now that all the folks without goals are off making goals, let's proceed.

When it comes to achieving a goal, we need to be clear on what actions we're going to take to make it happen. For some goals like saving a thousand dollars, it's super easy to figure out what you need to do. But for others, like buying house, it can get really complicated really fast.

I say that to say, you may not need all these steps for all or even most of your goals, but I want to be sure to put them out there so that no matter how complicated your goal is, you can figure out the right steps to take.

Where I want to start is with what you already know. Look at your goal and take a moment to write down everything that you already know you need to do to make that goal a reality.

For a straightforward goal like saving a thousand bucks, your action steps might be as simple as:

  1. Set up automatic, biweekly transfers from checking to savings, and

  2. Review your bank account once a month to see if there's any extra- excess money that you could transfer from checking to savings.

Boom pow, you're done.

But if you're trying to do something more complicated, like start a business, change careers, or buy a house, that list of steps is going to get long really fast.

Let's use that buying a house example.

Well, if you knew absolutely nothing about real estate, you could probably come up with a bunch of things like:

  • find a good realtor,

  • determine the city or part of town you want to move to,

  • make a list of your must-haves for the perfect house,

  • establish a budget for your home purchase,

  • apply for a mortgage loan,

  • shop around for the perfect house,

  • put an offer in on the perfect house, and

  • close on the perfect house.

That being said, you likely have some questions on what you should be doing and in what order. So in this step, not only should you write down the things that you already know you need to do, but also write down any questions that you may have about the process.

For those of you who have more complicated goals, you're probably wondering why I'm having you start this way. Our natural instinct is to go straight to Google and see what we can find on how to buy a house. Eventually we are actually going to get there.

Matter of fact, it's part of the next step. So you know what? Let's just go there now.

The second thing we need to do, at least for more complicated goals, is to do some research. We're going to do Google searches and we're going to talk to people that we know and trust.

What we're trying to figure out is what are all the things we need to take to hit the goal, how much those steps are going to cost and what orders we should follow when completing those dag on steps?

The reason why we didn't start here is because the key to getting the best information is asking really good questions. When you research how to buy a house, you're typically going to get articles and videos that provide a really general rundown of the overall process. When you get general rundowns of anything, there's a lot of details that get left out.

Since you took the time to write out the steps you already knew about and any questions that you already have, you can do more specific searches, which will get you better quality results.

For example, instead of just researching how to buy a house, you may research how to buy a house in Fort worth, Texas. This will give you more insights on the Texas housing market and any nuances in the buying process there versus another state or city.

Or maybe when you wrote down "find a good realtor" as an action step, it sparked the question of "how do I know if a realtor is good?" Then you Google that specific question and get much better insights that help you weed out the good realtors from the bad ones.

Like I said, what you're trying to figure out in your research is what steps do you need to take, how much those steps will cost and what order you need to complete those steps in. That means you shouldn't stop just at Google searches, especially if we're talking about a really complicated goal with a big financial impact. It's going to be really important that you talk to real people about the process.

So sticking with the house buying example, you may start with family and friends, even coworkers, that have bought houses before. Then you would move on to a realtor to learn more about what the home buying process looks like, and then later go to a banker to learn more about mortgage options and potential closing costs.

Oh, and be sure to get as granular as you can here, especially if we're talking about big ticket purchases or move with a big impact on your income. You want to be as prepared as possible. The best way to do that is to get as much information as you possibly can.

Once you have all this information on action steps and what order to do them all in, we need to organize it.

Again, this can be really easy or really complicated. Let's say you're starting a YouTube channel that you eventually want to monetize. You can pretty much get that launched with a simple checklist. Now, keeping it going will take more than a checklist, but the actual launch itself... yeah, that's easy.

However, buying a house might require you to set up a whole Trello board because you have action sales from your realtor, your mortgage broker, your current apartments and the company you're working with to help improve your credit along the way.

How you organize the information isn't actually what I care about. What I care about is that you just have it organized.

Why? Because it's going to be really important to keep you moving forward without missing potentially critical steps or due dates.

Speaking of due dates, you need to establish due dates for every single action step. I know it's tedious, but it's important, especially when things have to be done in a certain order, on a certain timeline, or require you to drop a lot of cash throughout the process.

Let's say that as you're talking to your realtor, you discover you're going to have to pay $2,000 upfront in earnest money. That's fine if you already had that $2,000 set side in a savings account.

But what if you were planning on using money from your investment portfolio and you hadn't sold the stocks yet, because you forgot about the step. Now you risk losing out on the house because you have to wait a few days, valuable time that could result in the homeowner accepting a totally different offer. If you had your extra steps organized with the prices and due dates, you'd have been prepared to sell the stocks sooner because you knew when it needed to happen.

Once you have your action steps mapped out, organized, and ready to go, I want you to take a moment to double check something really important: is your current goal date still realistic?

Remember, we started this out with a S.M.A.R.T. goal with the T standing for time-bound. That means we already had a goal date written down before we did all this research and pulled together all of these action steps. Now that you know what, you know, your goal date may no longer be the A and the S.M.A.R.T.: Attainable.

If you now know that your last action steps can't be completed until December 1st, then having a November 1st deadline is totally unattainable. Or if you now know that you need 35 K to make this happen, but you only plan for 30K, you either need to figure out how to make more money or move that goal date back a few months.

So please, no matter how good you think your plan is, just take a moment to look over your action steps, the timeline, and their financial needs to determine the changes needed to be made to the final due date for your overall goal.

Now that you have your goal and a detailed, organized list of action steps, it's time to get to work. Take action! Follow the steps! Make it happen!

Don't waste all the effort that you just put into this plan by not actually doing it. Your goals aren't going to magically achieve themselves.

I mean, yeah, it would be awesome, if you could just write down a detailed plan and the universe just executed that plan on your behalf, but that's not life. So take action.

And I want you to be sure to monitor your progress regularly, to make sure you're on track to actually hitting your goal. The last thing you want to do is spend 12 months working on a single goal only to discover that you need another 12 months because you got off track.

So, whether it's quarterly, monthly, or even weekly for those really short term goals, make sure that you check your progress regularly.

And if you fallen off somewhere, figure out how to adjust to get back on track. I mean, we're human. We are bound to mess up at least one thing, right?

As long as you're taking action, checking your progress and course correcting when needed, you are bound to knock out every single financial goal on your list. That is one thing I'm absolutely sure of.

Boom, we got goals and a step-by-step plan to make it come true.

How are you feeling? Are you feeling confident about the rest of 2020, at least on the financial side? If you're feeling the confidence drop a "I got this" in the comments. And give a heart to other fellow confident folks that you see. We're all in this together, y'all.

Speaking of in this together, have you joined my community of goal conquerers who are dumping debt, saving money and pursuing financial freedom with a vengeance?

It's called the Dreamers Financial Sanctuary and we would love to see you in the group taking action and pursuing your financial goals right along with us. It's also the fastest place to get me to answer your questions, especially if you use the hashtag #askTiana.

So become part of the community by heading to, clicking the "Request to Join" button and answering the questions.

As a free gift, I'll give you access to mine "Where to Start" guide, which will help you pinpoint exactly what your first milestone should be on this ambitious, living my best life journey. You'll find the link right there in the welcome post.

But wait, wait, wait. Hold on a second. Before you head over to the group, I need you to let me know that you found this video useful by hitting that thumbs up below and subscribing to my channel. Don't forget to hit the bell, so you're notified each week when I drop new money tips and strategies to help you use your hard earned cash to dump the debt, save the money, and start building your ideal life without sacrificing all the fun.

Finally, if you're looking for more information, that'll help you knock out some of those action steps without pulling out your hair, these two videos are exactly what you need.

With that you get to watching those videos and I will see you next week. Bye bye.


You’ve done the goal planning and set new personal financial goals for 2020. Now what? Now you need a plan of action! Setting goals means nothing without an action plan for how to achieve goals that you’ve set. So in this video, we’re helping you build wealth by covering how to make an action plan for the money goals you just created!

Accelerate your goal crushing journey by joining Tiana in the Dreamers Financial Sanctuary, a Facebook community of fellow women using their hard-earned cash to dump debt, save money and create the life of their dreams.

#personafinancegoals #goalsetting #tianabclewis


COMMUNITY: Looking for a safe place to have real conversations about money and how to leverage it better? Dreamers’ Financial Sanctuary is that safe haven you’ve been looking for: where you can talk money and finance in an encouraging and inspiring space that is designed to help you reach the next level. JOIN US AT

BOOK: Ready to stop suffering under the weight of debt or living trapped in the paycheck to paycheck cycle with no hope of making your dreams come true? In “That Tool Called Money”, Tiana equips families with a step-by-step plan to discover and create the lifestyle that they have only dreamed about. Grab your copy at

COACHING: You may know what you need to work on or you might have your financial goals, but you still need help getting there. Let's hop on a video chat and talk through what's getting in your way and how to knock it out of your way! Best part is… the first session is on me! Grab your Rapid Strategy Consult today at




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