The Secret to Achieving Your Financial Goals Part 2

Jerry Fetta
8 min readMay 23, 2024

I previously referenced a recent study by the University of Scranton shows that 92% of Americans fail to achieve their goals.

One of the reasons, as I’ve covered before, that people don’t achieve goals is that they don’t know the difference between a goal and a plan and because of that they have lots of goals, but no plans to make them happen.

Well, another reason people don’t achieve goals is the exact opposite. They have plans, but those plans aren’t based on a larger goal or vision.

I’ve mentioned several times this Law of Wealth:

“A life without vision tends toward death. A vision without a plan tends toward delusion. A plan without a vision tends toward distraction.”

I am going to take up the final component of this.

“A plan without a vision tends toward distraction.”

A symptom of violating this wealth law is unproductive busyness. Have you ever experienced or seen someone or maybe yourself even so busy that they can’t keep up with life, but at the end of it, they are not getting ahead financially?

Each and every activity a person engages in is some part of a plan. Cleaning the house is part of a plan to have a clean house.

Going to dinner with your spouse is part of a plan for having a strong and healthy marriage.

Teaching your child the value of mental fortitude and hard work is part of the plan for raising a successful adult.

Working at a job to earn income should be part of the plan to build wealth.

And these are all good plans, but what vision ties them together?

The vision helps filter out what plans and activities should and shouldn’t be embarked upon.

For example, my vision is to leave this world more spiritually and financially free than I found it and for the majority of wealth to be controlled by good people who use it to make the world a better place.

All of my plans line up with that. And if something doesn’t, I say no to it.

Starting a non-profit to make the ability to build wealth a human right is a plan of mine. It aligns with my vision.

However, I used to be a state champion bodybuilder. That plan of being a professional bodybuilder didn’t align with my vision, so I stopped doing it.

Tying all activity in with a plan, all of which tie in with a vision is the key to avoid distraction.

You see, when financial success isn’t achieved, it’s not because it’s hard or complicated. It’s because the person got bored or distracted. Financial success is quite boring. You keep learning about finances over and over. You keep earning income over and over. You keep saving money over and over. You keep investing in the same proven things over and over. It takes a clear vision and goal with a plan that will get there and then tunnel vision and persistence.

The other side of this coin is the activities we do that don’t line up with a plan.

Let’s take some leisurely activities we can all be guilty of from time to time like binge watching Netflix for example. What plan is this part of? What is the natural resulting progression of doing this consistently over time? Is there a plan to watch all of the movies and shows on Netflix? And what vision would that plan help achieve?

What about mindlessly scrolling on social media? Is there a plan to know everything that all friends, acquaintances and strangers are up to? What vision would this line up with?

Do you see what I mean?

This would also go for things someone doesn’t do.

For example, if someone knows they should get trained on finances and doesn’t, it means their plan is to not be financially trained. Because this would be the end result it adds up to. And a life of financial illiteracy does not add up to a vision of a wealthy and successful life, does it?

Aligning visions and plans can help you save a tremendous amount of time by cutting out the things that don’t align and they can also very easily help you identify areas where you need to create more alignment.

Let’s take for example, the Blueprint to Financial Freedom plan.


To live a life of abundance & prosperity in all areas and to improve the quality of life for myself, my loved ones and the world around me.


To become financially independent where my passive income exceeds my generosity, expenses, taxes and savings (otherwise known as PI>GETS)


1. Complete basic financial training from books and Wealth DynamX Nation

2. Conduct Wealth Potential Analysis and analyze Passive Income Number

3. Pass 90 Day Big 3 Challenge

4. Obtain & fund Sacred Account

5. Establish/Update Estate Plan

6. Make positive spread on Sacred Account policy loan (debt, large purchase, investment, tax reduction)

7. Plan next Sacred Accounts for the future

8. Begin Investing for passive income (when debt free other than mortgage debt)

9. Reduce taxes

10. Achieve 40% savings rate by repeating 2–9

11. Achieve Financial Independence (PI>GETS) by repeating 2–10

We can see that there is a stated vision (the goal and purpose).

We can also see that there is a plan of steps that build upon each other to create the end result.

Now, let’s take step #8 of the plan, for example, investing for passive income. Why is that step there in the plan? Because part of the vision is to have passive income that allows us to become financially independent. So, we’d better have that in there or it won’t happen. And if an investment opportunity comes along that doesn’t generate passive income, it would be really easy to see that it doesn’t align with the plan or the vision and to say no to it.

If someone was carrying out all steps of this plan, they’d become financially independent. If they did only some of the steps, it wouldn’t happen.

If they were doing the steps here, but then got distracted and did other things, it also wouldn’t happen.

That’s why I created this Blueprint to Financial Freedom plan. Now yes, each of these steps does boil down further into a mini plan to get that step done, but we won’t get into all of that right now and you can purchase the full book to get all of those details.

But this particular plan is based on what the Top 1% of wealth have done over and over for hundreds of years. It’s based on what works and it’s based on commonalities between many of them. How simple is that? Study those who have gotten the desired result over and over, find out what plans they all had in common, and then use that to build a refined, repeatable plan yourself.

Fortunately, I already did the 10+ years of research for you so that part is out of the way. I also refined it and went through significant trial and error to find out what should and should not be included in the plan. Then I wrote it up, followed it, and achieved the exact result stated and in 6 years’ time, where I am now Financially Independent myself and by the age of 31. All of the work on this plan has been done and it’s my gift to you so that you can study it, see for yourself if it would work or not, and follow it.

The last thing I want to say about plans is they should be simple and as short as possible. Nobody wants a long, complicated plan. You might see wealth gurus and financial experts out there telling you the key to wealth is one thing or the other, but I want you to ask yourself one question.

What is the purpose of wealth?

The purpose of wealth is to live a life of abundance and prosperity in all areas and to improve quality of life for yourself, your loved ones, and the world around you.

If your wealth building plan requires you to devote 20 hours per week to managing a rental portfolio, or to jeopardize your life savings and your family’s financial security, or become a full-time active investor where you don’t have much time for anything else, does it really achieve the purpose of wealth?

This is why you should have a clear vision. And if your vision is live a life of abundance & prosperity in all areas and to increase quality of life for yourself, your loved ones, and the world around you, then the Blueprint to Financial Freedom may just be the plan for you.

In closing, my mission in life is to help good people build more wealth who make the world a better place.

So, if you’re a good person who wants to help make the world a better place and this article helped you, I want to encourage you to start putting this into practice. And feel free to write to me and let me know how it went.

If you’re a client of mine and you’d like help leveling up, send an email to my team with “Level Up” in the subject line to

If you’re a follower and have not read my book The Blueprint to Financial Freedom yet, that is the place to start. This book covers the specifics for each level in the various chapters and you can grab the book for free as my gift.

Click here to get a copy!

The Blueprint to Financial Freedom by Jerry Fetta

To Purpose, Wealth & Freedom,

Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. He is a nationally recognized financial expert featured in Forbes, Yahoo Finance, Fox, Chicago Weekly News, New York Finance, interviewed on 100+ podcasts with world renowned experts, earning endorsements and affiliations throughout his career with names like Kevin O’Leary, Grant Cardone, Dave Ramsey, and Pamela Yellen.

Jerry’s mission in life is to help create millions of financially educated and solvent families achieving greater financial freedom and sharing the truth about money with those around them.

Learn more at

(DISCLAIMER: The information in this content should not be considered tax, financial, investment, or any kind of professional advice. Only a professional diagnosis of your specific situation can determine which strategies are appropriate for your needs. Wealth DynamX can and does not provide advice unless/until engaged by you.)



Jerry Fetta

Jerry Fetta is the CEO and Founder of Wealth DynamX. Jerry’s mission in life is to help create millions of financially educated and wealthy families.