2) Having a vision is good, having a plan is better

Near the end of the keynote, Linendoll asked Kutcher to share the one buzzword he's tired of hearing. The word? Vision.

He explained that while having a vision is important, you'll get further if you make a plan: Start with what you've done to work towards your vision or goal, then look at what you can do next to finally achieve your vision. In other words, look at the day in, day out reality of your situation — the nitty-gritty details that get you from point A to B.

When we're trying to set money goals or change our habits, mindsets, or behaviors about our finances, instead of getting too caught up in "vision," we can get grounded instead by looking at what we've already done to reach our goals and what we're doing in the present.

For instance, while I have a grand vision of being a homeowner in Los Angeles, what am I doing in the present to reach that goal? Have I done research on how much homes cost in certain neighborhoods? How much do I need to save for a down payment on a home, and am I on track?