In this enlightening episode of Money Moves - A Black Swan Money Podcast, hosts Jon Cleaver and Wendy Lee tackle the prevalent issue of not reaching anticipated financial goals by a certain age. They delve into the potential reasons behind this, identifying four key factors that could be hindering your financial success:

Lack of Clear Financial Objectives: Many people lack specific goals or plans for their retirement income or lifestyle. Jon and Wendy underscore the importance of setting clear financial goals, such as determining your desired monthly income during retirement and understanding the necessary savings required to achieve those goals.
Poor Spending Habits: The inability to save money due to poor spending habits is a common obstacle. Our hosts stress the importance of being intentional with every dollar earned and creating a spending plan to prioritize saving and paying oneself first.
'Broke' Mindset: Negative beliefs and attitudes towards money can lead to a 'broke' mindset. Jon and Wendy encourage listeners to change their mindset, take ownership of their financial situation, and be willing to learn and take action to improve their financial literacy and habits.
Negative Influences: The influence of one's social circle, including friends, family, and even spouses, can inadvertently hold you back from financial growth and success. The hosts advise surrounding oneself with positive and financially successful individuals who can challenge and inspire personal growth.

Throughout the episode, Jon and Wendy provide practical advice and resources, including tools like moneypatrol.com, to help you take control of your finances and achieve your desired financial outcomes. Tune in to learn how to overcome these obstacles and make your money moves toward financial success.

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