Now, here’s the more challenging and not so simple news: there’s more to leveling up and goal-setting than technical tools. I got very clear about my financial goals and took all of the right technical steps to get out of credit card debt. I wrote my goal down frequently. I told my parents about it in hopes they would keep me accountable. I put together a timeline and game plan. I downloaded several apps to help me track my progress. And I still struggled to break the cycle. Why?