When you start being intentional about your spending and money goals, you may find yourself driven toward the goals in the most direct and efficient ways possible. I tend to be that way. I want to take the shortest path toward the goal, almost regardless of difficulty. In fact, the difficulty gives that path the allure of a worthy challenge. This method may work well for some of us. Especially those that are taking on this adventure alone.
Many of us have people we love and care about deeply along this journey with us. A spouse, children, or just very close family and friends. At times they can provide input and suggest spending money in ways that seem like impediments to our progress toward our money goals. Like rocks suddenly dropped onto the path forward making it even more difficult.