At this point, we’ve already covered Point B or Where you want to be in your financial journey.

How did you feel when you were taking on new, positive money thoughts and setting your own financial goals?

Was it a thrill? Was it exciting to finally be able to set financial goals for yourself?

Point B is usually the most exciting for most Money University students as they are able to see more concretely the true monetary value of their goals. We hope it’s the same for you!

Crossing out Lies and writing Truth on a blackboard.It may be daunting to see how much more expensive your goals really are when adjusted for inflation, but at least you know the truth!

And realizing the truth, no matter how tough it is, is one of the things that we’ve always wanted to happen to Money University students. That’s because Money University isn’t just some everyday resource for sparking your motivation; more than that, we’re here to reveal to you the whole truth and concrete realities about planning, setting, and reaching your financial goals!

Moving forward, we’ll now be discussing how you can reach your financial goals. This is the How you can get there portion of Money University.

But before we move finally forward, let’s first have one final review of your Point B.


Reviewing your Money Mindset

We determined your Point B (Where you want to be), by once again looking at both your Money Mindset and Money Skills.

Let’s start with a review of your Money Mindset!

In the Money Mindset, we learned the positive money thoughts and beliefs that wealthy and successful people have. These are the positive money thoughts that you should use to replace your old, negative money thoughts!

These directly contradict your old, negative money thoughts — making it easier for you to get rid of them from your mind forever!

These positive money thoughts are:

  1. Money is a powerful tool. I will use it for good!
  2. I will be wealthy without having to lie, cheat, and steal!
  3. I will provide high value!
  4. I will continuously increase my means!
  5. I will be rich!
  6. I will invest money to make more money!
  7. I will learn how to invest!
  8. Mo money, mo ways to solve problems!
  9. Money can buy me happiness!

Keep a list of these positive money thoughts using our “Your new, positive Money Mindset” tool, especially in places that you frequently encounter like your room, office table, and especially in your wallet! So that every time you touch money, you get to associate it helpful and encouraging positive thoughts.

Be mindful whenever negative thoughts about money enter your head and be sure to replace them with these positive thoughts immediately. With enough practice, these positive money thoughts will eventually rule your mind and you’ll have a much, much better chance at attaining great financial results!


Reviewing your Money Skills

While your Money Mindset is all about abstract, internal factors, your Money Skills deal with the concrete financial numbers.

It revealed to you how to set smart and personalized financial goals for yourself.

First off, you understood that any goal you may have for yourself — no matter how simple or noble — has a monetary cost attached to it.

Everything can be broken down into pesos, dollars, and any currency. How much everything costs, especially in the future, is what matters in determining your goals!

To better determine the cost of your goals, let’s not forget that the right financial goals are S.M.A.R.T.

S.M.A.R.T. goals are: Specific, Measurable, Achievable, Realistic, and Time-bound.

19 - Smart goals

With these S.M.A.R.T. characteristics in mind, it becomes much easier to set financial goals using the Money University 3-Step Goal Setting Process:

  1. Determine what exactly your goal is and when you plan to achieve it. Remember to make it specific!
  2. Know the cost of your goal today.
  3. Adjust the cost of your goal for inflation.

The great thing about the Money University 3-Step Goal Setting Process is that it can apply to ANY goal you have!

We’ve used it for setting your financial goal for your dream house, future car, dream business, and children’s education. If it works even for goals as diverse as these, it CAN and WILL work for any goal!

Heck, we’ve even used it for determining your financial freedom goal.

22 - Financial freedom -

Financial freedom means having enough assets that generate more passive income than your expenses. It is the ultimate goal because if you’ve attained it, then you don’t have to work for money anymore!

Your assets are making money for you and covering all your expenses while you choose to spend time however you wish. You’re not stuck in a 9-5 job you hate. You might still work but it’s NOT because you have to, but because you want to.

Is it any wonder why financial freedom is the ultimate financial goal?

We hope that at this point, you’ve set all your financial goals for yourself already. With the use of Money University’s Worksheets, it’s much easier to do that because it automatically adjusts your goal for inflation!

And don’t forget your Goal Board! No, not a Dream Board, okay?

Unlike a Dream Board, a Goal Board consists not only of images of what you want to achieve BUT ALSO specific details, timelines, AND the inflation-adjusted monetary costs of these images!

23 - Goal board

Goal Boards are action-oriented. Dream Boards are simply imagination-oriented.

Don’t stick with Dream Boards because without the important details and monetary costs of these dreams, they’ll remain just that — dreams.

Instead, put up a Goal Board in your room so you can see EVERY DAY not just your deepest desires and aspirations, but also their respective costs and timelines when you want to attain them!


Let us know your thoughts!

At this point, let’s take a quick break to let our mind take in all that we’ve learned so far. All of this can be quite overwhelming so it would be good to pause and take breaks once in a while.

For now, we hope you could spare us a few minutes to let us know what you think of Money University so far!

We’d love to hear your thoughts and feedback. Has it been helpful to you so far?

What new things did you learn about in this section?

Where there any big realizations that you encountered?

What lesson/section had the most impact on you and why?

What topics do you think we should add?

Where do you need more help on and what should we improve further?

Your responses to questions like these would be very helpful! Hearing from you would let us know how well we’re doing so far and what else we can improve on to help you further.

So for your thoughts and feedback, please send them to us at Thank you very much!