Are You Part of the 43% Who Doubt Their 2026 Goals?

Every year, millions set New Year resolutions with hope and determination. Yet, a recent Motley Fool November 2025 report reveals a surprising truth: only 43% of people feel confident they will stick to their 2026 goals. That means the majority, 57%, are already setting goals while expecting failure. This confidence crisis starts before the year even begins, casting a shadow over the promise of fresh starts.

If you find yourself asking, “Will I keep my 2026 goals?” or struggling with self-doubt New Year resolutions, you are far from alone. This post explores why so many people doubt their financial resolutions and what you can do to build stronger belief in your success.

Why Are So Many People Doubting Their 2026 Goals?

The Motley Fool November 2025 report highlights a key reason behind this low confidence: rising costs. Inflation, higher bills, and economic uncertainty make it harder to stick to financial goals. When money feels tight, it’s natural to worry about failing resolutions.

But it’s not just external factors. Research on self-efficacy shows that belief in your ability to succeed strongly predicts whether you will actually reach your goals. If you doubt yourself, your chances of success drop.

This explains why financial resolution confidence varies dramatically by generation. According to the report:

• Only 30% of Gen Z feel confident about their 2026 goals

• Meanwhile, 60% of Boomers express confidence

  
  

Younger generations face more financial challenges and uncertainty, which can fuel self-doubt. Older adults often have more experience managing money and may feel better prepared.

The Impact of Low Confidence on Financial Goals

When you have low confidence financial goals, it affects your motivation and actions. You might:

• Delay starting your plan

• Set vague or unrealistic goals

• Give up quickly when obstacles arise

  
  

This creates a cycle where doubt leads to failure, which then reinforces more doubt. Breaking this cycle requires building belief in your ability to succeed.

How to Build Confidence and Beat Self-Doubt

If you want to improve your chances of keeping your 2026 goals, focus on boosting your confidence. Here are some practical steps:

1. Set Clear, Achievable Goals

Break big goals into smaller, manageable steps. For example, instead of “save $5,000,” aim to save $200 a month. Small wins build momentum and confidence.

2. Track Your Progress

Use a journal or app to record your achievements. Seeing progress, even small, reminds you that you are capable.

3. Prepare for Obstacles

Identify potential challenges like rising costs or unexpected expenses. Plan how you will handle them so you don’t get derailed.

4. Focus on What You Can Control

You can’t control the economy, but you can control your spending habits and saving strategies. Concentrate on actions within your power.

5. Practice Positive Self-Talk

Replace negative thoughts like “I’ll never stick to this” with encouraging ones such as “I am making progress every day.” This shifts your mindset toward success.

Why Understanding Generational Differences Matters

Knowing that confidence varies by generation helps tailor your approach. If you are Gen Z, you might:

• Seek advice from mentors or financial coaches

• Build skills through education and practice

• Connect with peers who share similar goals

  
  

Boomers can share their experience but also stay open to new strategies. Each generation faces unique challenges, and recognizing this can reduce feelings of isolation and self-doubt.

What the Numbers Tell Us About Financial Resolution Confidence

The search trends reflect widespread concern:

• Financial resolution confidence has 5,400 monthly searches

• People ask “Will I keep my 2026 goals?” 4,400 times monthly

• Low confidence financial goals appears in 3,600 searches

  
  

These figures show many people want reassurance and strategies to overcome doubt. You can join this conversation by sharing your journey and learning from others.

Moving Forward with Realistic Optimism

Doubting your goals before you start is common, but it doesn’t have to define your year. The Motley Fool November 2025 report reminds us that while 57% expect failure, 43% believe in their success. You can be part of that confident group.

Focus on building your self-efficacy, setting clear goals, and preparing for challenges. Remember, confidence grows with action and experience. Your 2026 goals are not just wishes—they are achievable plans when backed by belief and effort.