1. Set Financial Goals. You don’t have to have a lot of money to set financial goals. As a matter of fact, you don’t have to have any money at all. You just need to want to have money and decide where you want to be financially in five, ten or twenty years. Do you want to be able to buy a new house? Do you want to help put your kids through college? Do you want to be able to retire before you turn 102? All of these are (or could be) financial goals. Financially smart