It’s my birthday week, and every year I use this moment as my own personal checkpoint — a time to pause, look back at the year that’s been, and set fresh goals for the year ahead. That’s why we’re talking about goal setting this week — because just like Bon Jovi sang, “It’s my life, it’s now or never” — the best time to get intentional about your future is now. In this episode of Her Money Matters, I’ll share why I choose my birthday as my annual reset, and how you can pick a date that works for you — whether it’s your birthday, New Year’s Day, 1 July, or any date that feels meaningful. Together we’ll explore: Why goal setting is the single most important step in creating the life you want The psychology of motivation (and why action comes before inspiration) How to use the SMART framework to turn vague dreams into achievable plans What meaningful goals look like for women progressing towards retirement Tools and accountability strategies to actually follow through By the end of this episode, you’ll be ready to choose your own date, set goals that matter, and start building momentum. As Bon Jovi sang: it’s your life, it's now or never, and your goals deserve more than “someday.”