In a perfect world, logic would always guide our financial decisions. Emotions wouldn’t come into play. But we don’t live in a perfect world. Far from it. That means our emotions impact our financial choices more than we realize.

In finance and in life, expectations often eclipse reality. They become anchors for how we evaluate opportunities and our own sense of happiness.

They also make us fixate on what could or should have been, not what’s right in front of us.

“If you aim at nothing, you will hit it every time.” – Zig Ziglar

That’s true for most aspects of life, including our finances. Most of us realize that. It’s why we set New Year’s resolutions—and why more than half of all Americans set some type of financial goal as a resolution each year.

What are your money beliefs?

No matter what they are, your money beliefs are guiding your financial choices. And they’ve already shaped your financial habits.

The more you know about your money mindset, the more you’ll know about yourself — and how your mindset affects your financial decisions and your overall financial health.