Do you feel as though you are working so hard to be wise with your money but you never seem to get ahead? Or have you been working your tail off, but at the end of the month, you don't have much to show for it?Yes, issues like inflation and recession are genuine concerns that can seem like major impediments. But even when the economy isn't insane, if you don't establish any financial goals, you'll probably still feel like you're going nowhere.Don't worry. It's not as difficult as it sounds, s...