92: How to Set Money Goals That Actually Stick (and Lead to Real Success in 2026)

Have you ever started the new year determined to “finally get your money together”… only to feel burned out, discouraged, or back in the same place a few months later?

In this episode of The Money Mom Podcast, Rachel breaks down why most financial goals don’t stick, and it has nothing to do with discipline, motivation, or willpower.

Most money goals are created from panic, shame, or urgency. And while that energy can spark change for a moment, it never lasts, especially for busy moms carrying the mental, emotional, and physical load of family life.

In this episode, you’ll learn:

• Why motivation-based and willpower-only goals collapse when real life happens
• How to stop setting “panic goals” that create pressure instead of progress
• Why money is emotional, and why your goals must account for your nervous system
• The difference between outcome-based goals and identity-based goals
• How focusing on who you’re becoming leads to lasting financial change
• Why doing less, not more, is often the key to momentum
• How to create money goals that feel calm, safe, and doable... even in hard seasons

Rachel also shares personal stories from early motherhood, explains why “trying harder” isn’t the answer, and walks you through a gentler, smarter approach to goal setting that works with your life, not against it.

If you’ve struggled to stick with financial goals in the past, this episode is your reminder:
You’re not broken. You don’t need more discipline. You need better systems and a supportive identity.

✨ And if you’re ready to build money goals that actually stick, Rachel shares how you can join Money Mom Club, where moms learn to create sustainable systems, calm their money stress, and feel confident with their finances — without pressure or shame.

You can join for 50% off this week only: www.heyrachelcoons.com/moneymomclubmoney

🎧 Press play and start 2026 with a calmer, more intentional relationship with money.

xoxo,
Rachel

Where to find me:
Instagram: @heyrachelcoons

Join me for my 'Money RESET 2026' training!: REGISTER HERE