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iQuestions Faculty, Ron Blue 
 
 
Question: 
 
How do we set financial goals? 
 
Answer: 
 
I’ve found in my own life that there are four things I have to do to set 
goals. The first thing I do every day, in a quiet time, is asking my 
Lord, “What is it that You would have me to do?”  
 
The second step I take is I journal or write it down. It begins to 
crystallize in my thinking as I put it in a journal or put it in a notebook. 
 
The third thing I do is make it measurable. In other words, it becomes 
specific as to time and amount. For example, I was developing an 
impression many, many years ago that I’d like to pay off my home 
mortgage. Well, it didn’t even seem possible at the time. But I 
continued to record it. I continued to make it measurable. And I asked 
that the Lord would give me the opportunity to pay off our mortgage 
before I was sixty years old. So, I had a goal. I knew what the amount 
was. I knew what the time period was. I knew that this was what I 
believed God would have me to do.  
 
And I had gone through those three steps, but the most important 
step was the fourth step, and that was, I had to take some action. So, 
I began a program of paying certain amounts extra on my mortgage, 
and allocating extra amounts of income that came in to the mortgage.  
 
Because I had the goal, I knew where I was going, I knew what I 
wanted to accomplish and I knew when I wanted to accomplish it. So, 
 
I spent time with God, I made it measurable, I crystallized my 
thinking, and I began by taking an action on it.  
 
You know, you can do the same thing. You can spend time in a quiet 
time, meditating. You can make it measurable. You can put down 
specific dates and specific amounts. But then the most important 
thing—only you can do this—you’ve got to take that first step toward 
the goal that you’ve set. 
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