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Tackle your financial goals with an if-then plan 

Let’s walk through a simple exercise to help train your brain to stay on track. 

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It’s science 

Research shows we’re more likely to reach our goals if we anticipate roadblocks and diversions, then plan specific actions to avoid or overcome them. Here's how you can do it.

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Be specific. Say when you want to achieve your goal, what you need to do and why it’s important.

Write down your goal

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List possible roadblocks

What could change your course? This could be a bad habit you struggle with, a new competing priority—or even a positive development.  

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Impulse buying 

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A chance to continue your education

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An unexpected bonus at work

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Decide how you want to react

What deliberate action can you take to stay on track? Put it in if-then form. The more concrete, the better. Focus on what you will do, rather than what you won’t.

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Decide how you want to react

What deliberate action can you take to stay on track? Put it in if-then form. The more concrete, the better. Focus on what you will do, rather than what you won’t.

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Decide how you want to react

What deliberate action can you take to stay on track? Put it in if-then form. The more concrete, the better. Focus on what you will do, rather than what you won’t.

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It’s a journey

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Be prepared to hit bumps in the road. When you do, return to your if-then plan. It will help you stay on course. 

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This material is for informational use only and is not intended for financial or investment advice. Bank of America Corporation and/or its affiliates assume no liability for one’s reliance on the material provided. This material is not updated regularly and may not be current. Consult a financial professional when making financial decisions. ©2024 Bank of America Corporation.

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