Successful financial goal attainment: Perceived resources and obstacles

Barbara O'Neill, Jing J. Xiao, Barbara Bristow, Patricia Brennan, Claudia M. Kerbel

Research output: Contribution to journalArticlepeer-review

24 Scopus citations


Perceived resources and obstacles to financial goal attainment of 520 MONEY 2000Ô participants are reported. Open-ended questions were used to solicit responses. The most frequently mentioned resource that helped respondents make progress toward financial goals was personal qualities (e.g., discipline, knowledge) and action. Having a goal or plan, financial publications and media, payroll deduction/automated savings, a good income, Cooperative Extension/MONEY 2000Ô, and seeing results were also mentioned. The most frequently mentioned challenge to financial progress was debt/credit use/spending habits. Additional obstacles were a low or reduced income, unexpected expenses and emergencies, children/children's expenses, personal qualities, and other obstacles.

Original languageEnglish (US)
Pages (from-to)1-12
Number of pages12
JournalJournal of Financial Counseling and Planning
Issue number1
StatePublished - 2000

ASJC Scopus subject areas

  • Finance
  • Economics and Econometrics


  • Financial goals
  • Financial obstacles
  • Financial resources
  • Money 2000ô


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