Set 3 Money Goals for 2026
Set 3 Money Goals for 2026
Most business owners set way too many goals for the new year. Then February hits, things get busy, and everything gets abandoned.
You don’t need 20 goals. You don’t even need 10.
You need three clear, measurable money goals that guide every decision you make in 2026.
Here’s the simple framework I give business owners to reset their finances and set goals that actually stick.
1. A Revenue Goal You Can Realistically Hit
Instead of picking a number out of thin air, base your revenue goal on:
your 2025 total
your current capacity
your pricing
your lead sources
the offers that actually convert
Choose something just outside your comfort zone—not something impossible.
Quick method:
Take your 2025 revenue
→ increase it by 15–25%
→ that’s your starting target
It’s challenging, but achievable without burning out.
2. A Profit Goal That Forces Better Decisions
Revenue is great, but it’s the profit that pays you, funds growth, and gives your business runway.
Set a specific profit target:
Service businesses: 20–30% net profit
Product businesses: 5–15% net profit
This goal forces you to:
refine pricing
stop undercharging
eliminate unprofitable offers
reduce wasted spending
improve operational efficiency
Profit protects your business.
Make it a priority.
3. A Cash Goal That Builds Stability
Cash goals are the ones that give business owners peace of mind.
Pick one cash-focused goal:
save one month of expenses
build a tax savings buffer
create a $5k–$20k emergency fund
save for equipment or software upgrades
build a payroll buffer
This goal ensures you can handle surprises without stress.
Bonus: Use This 3-Question Filter All Year
Every time you make a business decision in 2026, ask:
Does this help me hit my revenue goal?
Does this help improve or protect profit?
Does this strengthen my cash position?
If the answer is “no” to all three, it’s not a priority.
Final Thoughts
Keeping your financial goals limited, measurable, and tied directly to revenue, profit, and cash flow is the fastest path to a healthier, more predictable business. Three clear money goals do more for your business than a whole page of vague resolutions.
Need help setting your 2026 financial plan? Let’s build your revenue, profit, and cash goals together so you walk into January confident and prepared.
The Money-Smart Business Blog provides educational content designed to help small business owners make informed decisions. This content is not tax, legal, or financial advice and should not be used as a substitute for personalized guidance. Always consult with a licensed professional before taking action based on this information.
