What has kept you from already achieving your goals? What is in the way of making the changes you desire? If the answer is either time or money, I challenge you to dig deeper.
How much is your time really worth? Would it be worth it to you to rid yourself of the guilt or disappointment of not achieving your goals? And how much time do you spend dwelling on the fact that you have these unresolved goals?
If the goal’s outcome is truly worth it, then neither time nor money are the issue. The cliffhanger is…what is the issue?