Money Confidence Part 3: Dreaming Big and Setting Financial Goals
- The Founder
- 2 days ago
- 5 min read
Dreaming is one of the most powerful things a girl can do.
When you are between the ages of 10 and 15, your dreams can feel exciting, confusing, and sometimes overwhelming all at once. You might dream about college, traveling the world, starting a business, becoming an artist, helping people, or doing something you have not even discovered yet.
Dreams are important. But what many people do not talk about is how money supports dreams.
Money is not the dream itself. Money is the tool that helps bring dreams closer to reality.
In Part 1, we talked about understanding money. In Part 2, we talked about spending wisely and making thoughtful choices. Now, in Part 3, we are talking about how money connects to vision, goals, and the future you imagine for yourself.
This guide is written for girls ages 10 to 15, but it is also written for parents who want to help guide these conversations in a gentle and supportive way. There is no pressure here. Just curiosity, confidence, and possibility.
Why Dreaming Matters
Dreaming big helps girls see beyond today.
When girls are encouraged to dream, they begin to believe:
Their ideas matter
Their future is worth planning for
They are capable of growth
Dreaming is not about having everything figured out. It is about giving yourself permission to imagine what could be.
Money becomes less intimidating when it is connected to something meaningful. When girls understand that money can support their dreams, it feels less stressful and more purposeful.
What Is a Vision Board and Why It Helps
A vision board is a visual way to show your dreams, goals, and hopes.
It can include pictures, words, drawings, or quotes that represent what you want in the future. Vision boards help turn ideas into something you can see and feel.
For teens, vision boards are especially powerful because they:
Make goals feel real
Encourage creativity
Help clarify what matters
Build confidence and focus
A vision board does not need to be perfect. It does not need to be fancy. It just needs to reflect you.
How to Create a Vision Board as a Teen
Creating a vision board can be fun and relaxing.
You can use:
A poster board
A notebook
A corkboard
A digital board on a phone or tablet
Start by thinking about questions like:
What excites me
What kind of life do I imagine
What do I enjoy learning about
How do I want to feel in the future
Add images or words related to:
School or college
Careers or interests
Travel or experiences
Personal growth and confidence
A vision board is not about limiting yourself. It is about reminding yourself that your dreams matter.
This type of activity is one of the most meaningful confidence building activities for tweens because it encourages self-belief and direction.
Short-Term Goals vs. Long-Term Goals
Goals help turn dreams into steps.
A short-term goal is something you want to achieve soon.A long-term goal is something you are working toward over time.
Both types of goals are important.
Examples of Short-Term Goals
Saving for something special
Earning money for a trip or event
Improving a skill or hobby
Completing a project
Short-term goals teach patience and follow-through. They help girls see progress quickly.
Examples of Long-Term Goals
Going to college
Traveling to another country
Starting a business
Choosing a career
Long-term goals help girls think ahead and understand that big dreams take time.
Learning the difference between short-term and long-term goals helps teens stay motivated instead of discouraged.
Why Goals Make Money Feel Less Confusing
When money has a purpose, it feels easier to manage.
Instead of money feeling random or stressful, it becomes something that supports your plans.
For example:
Saving money feels more exciting when it is connected to a goal
Spending feels easier when you know what you are working toward
Saying no feels easier when you know why
Goals give money meaning.
Dreaming About College Without Pressure
College is one dream many teens hear about early. It can feel exciting or intimidating, depending on how it is discussed.
The goal is not to decide everything now. The goal is simply to understand that college is one of many possible paths.
Money connects to college through:
Tuition
Books
Housing
Supplies
Talking about college early helps remove fear. It allows girls to see it as something that can be planned for over time.
Parents can support this by focusing on curiosity instead of pressure.
Travel as a Dream and Learning Experience
Travel is another dream many girls have.
Travel helps girls:
Learn about different cultures
Gain independence
Build confidence
Even small trips teach planning and responsibility.
Money supports travel through:
Saving
Budgeting
Planning ahead
When girls connect saving money to experiences instead of things, they learn that money can buy memories, not just items.
Careers and Following Your Interests
Careers may seem far away, but interests start early.
A girl who loves art, science, writing, helping others, or building things is already learning about her future.
Money supports careers by:
Paying for education or training
Supporting creative projects
Providing independence
Girls do not need to know exactly what they want to be. They just need encouragement to explore.
How Money Supports Dreams Without Defining Them
Money is a tool, not a measure of worth.
It helps support:
Education
Experiences
Stability
Freedom
But money does not define intelligence, kindness, creativity, or value.
Teaching girls this balance early helps them build a healthy relationship with money.
Breaking Big Dreams Into Small Steps
Big dreams can feel overwhelming.
That is why breaking them into smaller steps matters.
For example:
A dream of traveling can start with saving small amounts
A dream of college can start with learning and curiosity
A dream of a career can start with exploring interests
Small steps build confidence.
Why Goal Setting Builds Confidence
Setting goals teaches girls that:
Progress matters
Mistakes are okay
Growth takes time
Every goal reached, no matter how small, builds self-trust.
This is why goal setting fits naturally alongside mentorship, encouragement, and experiences that support growth, whether through conversations at home or tools like a monthly self care box for girls that reinforces positive habits and reflection.
A Message for Parents Reading Along
Parents play a powerful role in helping girls dream.
Encourage exploration.Ask open-ended questions.Celebrate effort, not just results.
Talking about goals and money together builds trust and confidence.
Families looking for meaningful resources, including the best subscription box for tween girls, often want more than entertainment. They want support that helps their daughter grow emotionally, mentally, and practically.
Dreams Change and That Is Okay
It is important for girls to know that dreams can change.
What matters is not sticking to one idea forever. What matters is learning how to adapt, plan, and believe in yourself.
Money skills support flexibility and confidence, no matter where life leads.
A Gentle Closing Note
Dreaming big is brave.
Setting goals is powerful.
Learning how money supports dreams helps girls feel prepared, capable, and confident.
At Hey Doll!, we believe that when girls are given tools, encouragement, and space to grow, they begin to see themselves differently. They see possibility instead of limits.
Money is not the dream.She is the dream.
Money is simply one way to support the life she imagines.
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