Most people have financial goals... but no real plan to reach them. In this episode, Josh breaks down why working harder with your money isn’t enough without structure, and how the “financial junk drawer” mindset keeps people stuck. You’ll learn how to prioritize your goals, build a strong financial foundation, and create a strategy that actually moves you forward. Can't get enough of The Financial Quarterback? Click ‘Subscribe’ so you never miss a play. If you’re enjoying the show, leave a 5-star rating and drop a review—it helps keep the game going!