It’s “new year, new you” time which means it’s the perfect moment to set some personal financial goals. But how do you choose them? How can you stick to them? And what are you REALLY saving for? Special guest Ryan Murphy – Morningstar’s expert in behavioural science – joins Andy and Andrew to look at the science of goals.

Presented by Andrew Harrison and Andy Maher. Music: ‘Hold For Corporate’ licensed from premiumbeat.com. It’s Your Money is a Podmasters Production.

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