Pick your target. Then build toward it.
Life Goals is the goal-setting engine behind MoneyBricks: a library of pre-defined financial goals you browse, recognize yourself in, and claim as your own. It's the target on the blueprint before the first brick gets laid.
Traditional financial planning starts with a blank field: “What are your financial goals?” For someone grinding through a 60-hour workweek, that question can feel impossible to answer. MoneyBricks replaces the blank field with a Goal Library: an organized collection of goals you browse like a catalog. You don't need to know what you want before you start. You scroll, you see yourself in a goal, and you select it. Brix does the rest.
The SMART Blueprint
Every goal is built on a five-point framework that turns a vague wish into a concrete construction plan.
- SSpecific
Concrete goals with exact specs, like a blueprint.
“Build a $10,000 emergency fund,” not “save more money.”
- MMeasurable
Every brick counted. Real dollars, real progress, tracked in real time.
Brix tracks your balance and shows you exactly how many bricks remain.
- AAchievable
Built one brick at a time. No overbuilding, no shortcuts that crack the foundation.
Brix sets a realistic pace based on your actual income and expenses.
- RReal-World
Grounded in your income, your line of work, your life stage, not someone else's numbers.
Brix adapts the plan when you have a slow week or an unexpected bill.
- TTime-Staked
Every goal has a completion date, like a project deadline you actually hit.
“Debt-free by December.” Brix tracks the timeline and flags you when you're off pace.
The Goal Library
You browse goals instead of writing them from scratch. Scroll the library, find the one that sounds like your life, and claim it. 13 categories, 130 goals. Here’s what’s on the shelf.
no blank page to fill
Security & Breathing Room
- Stop living paycheck to paycheck
- Build a starter $1,000 cushion
- Build a 1-month cushion
- Build a 3–6 month emergency fund
- Cover a surprise bill without a credit card
- Get one month ahead on rent
- Open a separate account for bills only
- Keep a cash buffer for slow weeks
- Stop overdrafting my account
- Reach real financial breathing room
Anyone in survival mode. Often the first goal selected, and the most powerful to reach.
Debt Freedom
- Pay off all credit card debt
- Get out from under that truck loan
- Pay off tools and equipment
- Knock out medical debt
- Clear a payday or title loan
- Pay off my student loans
- Stop carrying a credit card balance
- Consolidate to a lower interest rate
- Clear the buy-now-pay-later balances
- Become completely debt-free
People carrying the daily weight of debt. Often the goal that drives the deepest engagement.
Home
- Save for a down payment on my first home
- Pay off my mortgage early
- Build real home equity
- Rent smart while I save
- Fund a home-repair reserve
- Save for closing costs
- Fix my credit to qualify for a mortgage
- Drop PMI on my mortgage
- Buy my first rental property
- Refinance to a payment that fits
First-time buyers, current homeowners, and renters building toward ownership.
Family & Life Events
- Save for a wedding
- Prepare financially for a baby
- Start a 529 for the kids
- Fund my kids' education
- Care for aging parents
- Take paid time off for a new baby
- Save for a family vehicle
- Prepare for a career break
- Cover a funeral without going into debt
- Plan a major life transition
Members at key life milestones who need a plan that accounts for the big moments.
Retirement & Future
- Start a retirement account
- Get my full employer 401(k) match
- Max out my IRA every year
- Retire at 60
- Never work hurt because I have no choice
- Open a Roth IRA
- Start a SEP-IRA for my 1099 income
- Catch up on retirement in my 50s
- Plan when to claim Social Security
- Build income I can't outlive
Members at any age. Younger ones gain time, older ones gain catch-up clarity.
Wealth Building
- Invest for the first time
- Build a positive net worth
- Hit my first $100K
- Create security for the next generation
- Own something that grows while I sleep
- Automate my investing every payday
- Build my first index-fund portfolio
- Create a second stream of income
- Reach $1 million invested
- Build a portfolio I don't have to babysit
Members ready to move from stability to growth, a major psychological milestone.
Income & Career
- Build a side business
- Start my own contracting shop
- Increase my income by 20%
- Earn the license or cert that pays more
- Turn overtime into real progress
- Negotiate a raise
- Turn a side hustle into full-time income
- Save a runway to change careers
- Buy the equipment to take on bigger jobs
- Gain the freedom to walk away from a bad job
Entrepreneurially-minded members using financial fitness as a path to career freedom.
Lifestyle & Experiences
- Take my family on a vacation we earned
- Buy a truck with cash
- Pay cash for the next big purchase
- Give back to my community
- Enjoy my money without guilt
- Take a trip I've always wanted
- Fund a hobby I love
- Upgrade something without borrowing
- Set aside fun money every month
- Live on my own terms
Members who tie money to real life. These drive the highest emotional engagement.
Protection & Legacy
- Get real life insurance
- Create a will
- Set up a power of attorney
- Name my beneficiaries
- Protect my family if something happens to me
- Get disability insurance
- Freeze my credit against fraud
- Set up a living trust
- Leave a letter of final instructions
- Build something to hand to my kids
Members with dependents, those approaching transitions, and anyone who's seen what happens without a plan.
Health
- Build a fund for medical bills
- Max out my HSA every year
- Have my deductible covered in cash
- Pay for dental work without a payment plan
- Pick the health plan that costs me least
- Cover my prescriptions every month
- Pay for therapy or counseling
- Save for new glasses or hearing aids
- Afford a gym habit I'll actually keep
- Cover time off work if I get hurt
Members whose health costs keep knocking the budget off course, from deductibles to dental.
Relationships
- Talk about money with my partner without fighting
- Decide how we split the bills
- Combine our finances, or decide not to
- Set a budget we both agree on
- Get on the same page before moving in together
- Pay back money I borrowed from family
- Set limits on lending money to family
- Send money home to family on a plan
- Rebuild my finances after a breakup or divorce
- Teach my kids how money works
Members whose money is tied up with other people's: partners, kids, parents, family back home.
Interests
- Pay for a class I've wanted to take
- Buy hobby gear with cash, not credit
- Save for a concert or game I want to see
- Cover a season of my kid's sports
- Fund a creative project
- Save for a fishing, hunting, or camping trip
- Pay for a club or league membership
- Restore a project car or bike
- Turn a hobby into a little extra cash
- Set a monthly budget for what I love doing
Members who want room in the budget for the things that make the work worth it.
Productivity
- Set up autopay so nothing is ever late
- Check in on my money once a week
- Build a budget I'll actually use
- Track where every paycheck goes for a month
- Cancel subscriptions I don't use
- See all my accounts in one place
- Keep my receipts and paperwork organized
- File my taxes on time, every year
- Set aside quarterly taxes on 1099 income
- Plan meals to cut my grocery bill
Members who want their money to run on a system, so it takes less time and less worry.
How Life Goals works
From the goal you pick to the plan that gets you there, Brix runs the whole build.
- Step 1
Goal Discovery Browser
A scrollable library organized by life category. Filter by life stage, time horizon, or what's motivating you most right now.
- Step 2
Recognition, not creation
You don't write goals from scratch. You browse, find yourself in a goal description, and select it. No blank fields, no intimidation.
- Step 3
Brix's build plan
Once you pick a goal, Brix builds a personalized plan: how long it will realistically take from where you stand, exactly what to do, and which MoneyBricks tools to use.
Meet Brix → - Step 4
Goal stacking & sequencing
Pick more than one. Brix reads the full set and recommends a priority order built to create the most momentum.
- Step 5
Milestone architecture
Every goal is broken into visible build milestones. You see the finish line from day one and watch the distance shrink.
- Step 6
Goal evolution
Life changes and goals change with it. Swap, pause, or retire a goal without losing history or progress.
- Step 7
Financial Strength Report integration
Every active goal shows up in your Financial Strength Report, giving you (and any advisor you loop in) instant visibility into what you're building toward and why.
See the report →
Start with the target. The plan comes next.
Start with a free BrickScore Assessment. Brix shows you where you stand, then helps you pick the goal worth building toward first.
Related features
Keep exploring. These work hand in hand with what you just read.