Desire and determination

by Admin
Updated: July 29, 2018

Why it can be difficult to have enough desire and determination to achieve personal financial goals

If you have enough desire and/or determination, it’s possible to achieve almost anything - no special techniques required. So it makes sense to define goals in ways that are meaningful enough to be engaging. I believe that most personal financial goals fall short because it’s surprisingly difficult to do this with money.

We cannot love finance - it’s too abstract.


Most goals originate as a desire. It sounds obvious - you want something so you make it your goal. A strong enough desire for something can be all you need to carry you through the processes needed to obtain it.

You can get what you want if you want it badly enough.


Determination is a conscious resolve. It can arise naturally from sufficient desire, but it can exist independently through choice. This would be the case for goals born out of need.

Determination on its own can be all you need to win through.

Goals in general

We are all achieving goals at some level on a daily basis. These goals are so fundamental to who we are that we don’t feel the need to write them down - we naturally use a combination of desire & determination to achieve them.

Articulated goals become important when achievement is challenged or lacking - this typically relates to wealth.

The abstract problem of money

There is a marked difference between how people treat personal financial goals compared to those for businesses.

Business goals have to be treated objectively, with detailed analyses whereas personal goals often seem to amount to little more than, “I wish I had more money.”

Improving personal wealth is usually at the top of most people’s goal lists because everyone thinks they can relate to “more money.”

My theory about why this goal remains so elusive and unfulfilled for them is that the premise is wrong:

People are motivated by what they believe money can buy and it is in fact extremely difficult to be motivated by money for its own sake because it is an abstract concept - it’s just numbers.

I don’t know anyone who is driven day-to-day purely by personal financial goals. Rather they focus on something that motivates for more human reasons. For the wealthy, this happens to be activities that make a lot of money.

More info

“Desire” at

“Desire is the key to motivation, but it’s determination and commitment to an unrelenting pursuit of your goal - a commitment to excellence - that will enable you to attain the success you seek” -- Mario Andretti.

“The Psychology of Wealth” at

Internal links

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