Today, we’re turning goals into plans.

In this final episode of the Unlocked series, Laura models real 2026 money goals live using real submissions from the Financielle community to show what goal modelling actually reveals, and why numbers are the difference between wishing and doing.

We start with a quick refresher on why modelling works:

It shows whether your goals are realistic
It highlights what needs to change to reach them
Small routine tweaks compound into massive results
You need a plan that fits into your everyday life

Then Laura walks through multiple real-life scenarios, including:

A single mum with a once-in-a-lifetime opportunity to buy her home with a gifted 10% deposit, and how to balance that against consumer debt
A 25-year-old torn between maximising her LISA for a first home and starting long-term investing
A listener navigating a debt-free journey while saving for a wedding, and how to balance progress with joy

Along the way, Laura talks through trade-offs, priorities, risk, mindset, and why “perfect” plans aren’t the goal, sustainable ones are.

Takeaways:

What goal modelling really reveals
Why most money goals fail (no numbers behind them)
Why now is the time to model your own goals before January

If you’re enjoying the Unlocked series, subscribe to The Vault, leave us a review, and tell us how you’re resetting and rebuilding in the comments or the Financielle App community.

#moneystory #goalsetting #Financielle #TheVaultUnlocked #moneygoals

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The Vault is an entertaining yet thought provoking podcast that answers our community’s dilemmas and confessions surrounding women and money.

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About Financielle:

Financielle is a female focussed finance app helping women to take back control of their money, ditch debt, increase savings and invest in their future.

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UNLOCKED: Modelling Your 2026 Money Goals – Real Plans, Real Numbers