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The new year often comes with conversations about setting resolutions. It’s a time to think about new goals, reflect on the past year, and look ahead. In doing so, it’s natural to think about the goals from last year—some that were achieved, and others that didn’t go as planned. When it comes to unmet goals, this reflection can sometimes bring feelings of guilt, shame, or self-criticism.
The Guilt Spiral
Feeling guilty about an unmet goal? It happens. But here’s the thing: guilt has a way of keeping us focused on what didn’t happen, instead of creating space to think about what’s next. While it’s normal to feel disappointed, it’s important to try not to let that disappointment turn into a barrier that stops you from moving forward.
It can feel even harder when it seems like everyone else is saving big, paying off debt, buying a home, or generally “figuring it out.” The comparison trap is easy to fall into but can be quite unhelpful, as it can reinforce feelings of guilt and shame. Everyone’s situation is different, and the challenges you face are unique to you.
Shifting the focus away from guilt and toward your own path and your own pace can create more room for growth.
Focusing on Growth
If you find yourself dwelling on unmet goals, it can help to look for the lessons within them. What worked? What didn’t? Even if you didn’t fully achieve a goal, you might have gained insights about your approach, priorities, or timing.
Sometimes progress isn’t about reaching the goal itself—it’s about getting through a tough time and giving yourself space to regroup and heal. Growth isn’t always linear or visible, but that doesn’t make it any less meaningful.
Acknowledging small wins, even if they seem minor, can be a powerful motivator. Over time, those small steps can add up in ways that matter.
Adjusting to Your Own Pace
It’s worth remembering that this is your journey. Your goals don’t have to match anyone else’s timeline or expectations. You know your experience best because you’re the one living it.
Maybe unexpected expenses, health challenges, or job changes threw off your plans. Or maybe burnout, frustration, or sadness made it hard to focus. Adjusting your goals or timelines isn’t a failure—it’s adapting to your current circumstances.
Setting goals that feel achievable and meaningful to where you are now can make a difference. Whether it’s creating a budget, gaining clarity on your finances, or treating yourself, those steps matter.
Reframing Your Financial Journey in the New Year
As the new year begins, it’s important to remember that progress is personal. Letting go of guilt and shame can help you focus your energy on growth, learning, and moving forward at your own pace.
Instead of dwelling on what didn’t happen last year, consider celebrating the progress you made—no matter how small. Every step forward matters, and this next year is a chance to keep building on what you’ve started.