Wanting to take action on your finances usually comes from a place of, oh crap, that’s not good. At least it did for me. The catalyst for my dive into personal finance was realizing how terrible my credit score was. The next boost of motivation came from realizing how must interest accumulated daily on my debt.
The point is you won’t make significant changes to reach your goals unless you have a good reason as to why you are taking action in the first place. Have a why, get motivated, take action.