Joseph Dillard understands that it is difficult, if not impossible, to achieve your financial goals if you do not have a plan. Every year you look back and wonder where your money has gone. You saw it coming in, but you do not remember how you spent it. "Where did it go?" and "I have know idea where my money went" are common questions and statements made about money. Sound familiar? Every year you start out with goals to do things differently. However, every year ends the same way. Nathaniel Branden says, "A goal without an action plan is a daydream." Stop daydreaming! Start achieving your goals!
The answer to your problem is not necessarily more money. More money usually means more spending. It does not matter how much money you have, the most important thing is what you do with the money you have. You can make $100,000 per year or more and still have money trouble.