How I’m Setting Financial Goals for 2016

by Henrik Bacilieri

A new year is right around the corner.

And while I’m not big on vague “resolutions,” I am huge on specific goals—especially when it comes to money.

Right now, my life isn’t flashy. I’m still early in the game. But that’s exactly why I want to build a solid foundation before life starts moving faster.

So here’s how I’m setting up my 2016 financial game plan:

🎯 Step 1: Define What “Winning” Looks Like

In 2016, “winning” for me is not about income.
It’s about discipline, growth, and stability.

My vision:

  • I have a $1,500 emergency fund

  • I’m saving 20% of every paycheck

  • I’ve started learning how to invest

  • My spending is intentional, not impulsive

  • I feel calm—not chaotic—when I look at my finances

That’s the target. That’s the win.

✍️ Step 2: Make the Goals Measurable

Here’s what I’ve written in my notebook:

  1. Track my spending every week

  2. Save at least $150/month

  3. Read 6 finance books next year (one every two months)

  4. Open a Roth IRA before July

  5. Stay under $100/month for “wants”

  6. Buy $50 worth of Bitcoin and start learning the tech

The point isn’t perfection—it’s progress.
The numbers might shift, but the intention is locked in.

🔁 Step 3: Review Monthly, Adjust Quarterly

One thing I’ve learned this year: plans break.
But adjusting > quitting.

Every month, I’ll review:

  • Did I save what I planned?

  • Did I overspend in any category?

  • What tripped me up?

  • What helped me stay on track?

I’ll adapt along the way. I’m not trying to control everything—I’m trying to stay in rhythm.

I want 2016 to be the year I stopped hoping and started planning.

And if I build these habits now, when the income is small—
I’ll be dangerous when the income grows.

That’s the goal.

Let’s go into the new year with focus and fire.

Henrik Bacilieri

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