The start of a new year usually brings new motivation to achieve goals. Sometimes it involves eating healthier or finally cleaning your basement. But, for many, it can also include goals to pay off credit card debt, save for a new house, or simply get more educated about money. As many start writing their New Year’s resolutions, financial goals are also making the list. When building your goals for 2026, experts recommend focusing less on the past and more on an optimistic yet realistic vision for the future.