Every financial guru says that achieving success starts with setting a goal.

I disagree. While there is some benefit to setting goals, you are more likely to achieve success if, instead of focusing on goals, you have a system. I discuss goals vs systems on today's podcast. Listen or read the transcript below.

This is our first episode of 2019, and I've got a question for you: how did you do with your New Year's resolutions last year? How are you doing with your New Year's resolutions this year? If you're like many people, you've probably already given up.

If your goal is to get out of debt or to save more money, you might be a little frustrated knowing another year has come and gone without improving your finances.

So what if your goal this year is to get out of debt? Or save more money? What's the best way to achieve any goal?

The answer may be to not focus on the goal at all, but instead to create a system to reach that goal.

Today on Debt Free in 30, I want to explain why, in most cases, systems are better than goals.