Guest: Ashley S. Murphy, CFP® AIF® CEPA™, Founder and Executive Director at Global Financial Planning Institute and Founder and Principle at Arete Wealth Strategists.

Insight: Where do you want to be at the end of next year? Most of us can see the top-line goals we want to achieve. What's harder is identifying the smaller steps you have to take every day to get to that destination. And what's harder still is having the discipline to keep taking those steps, even on the days when you're just not feeling it. One common characteristic of the highest achievers I've talked to on my podcasts is that they've all settled into a daily routine that puts them in the right physical, mental, and emotional space to complete those select, specific tasks. If your approach to goal-setting needs a shake-up, start experimenting with your routine now. When the calendar flips to the New Year, you'll be ready to hit the ground running.