Banish toxic money thoughts! If you psych yourself out before you even get started …saying stuff like “I’ll never pay off my student loans, or I’ll never be able to afford a home, there’s no way I can afford a vacation– then you’re setting yourself up to fail. So don’t be a fatalist, and switch to more positive mantras. Your financial goals should be filled with ‘I wills’ rather than “I wont’s.”