Single & Struggling – Step 4: Setting SMART Goals That Actually Work

In this episode of the Single & Struggling series, we move into the next critical step: setting goals and taking control of your financial life.

By now, you’ve organized your finances, prioritized your obligations, and started breaking the paycheck-to-paycheck cycle. Now it’s time to decide where you’re going—and build a realistic plan to get there.

We walk through:

• How to set practical, achievable financial goals
• The difference between short-term survival goals and long-term dreams
• How to organize your debt and create a payoff strategy
• Using tools like AI to map out your numbers and build a plan
• Why housing, spending, and income decisions must align with your reality
• When to consider options like credit counseling—and why bankruptcy should be approached carefully
• The importance of building an emergency fund (even if it starts small)

This episode is all about moving from reacting to your finances… to actively directing them.

Remember: we’re not aiming for perfection—we’re aiming for progress.

If you’re ready to take control, this is where it starts.

💬 Have a question or comment? Contact Jerry here