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Speaker 1: My two thousand and twenty six goals, how I set them,

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Speaker 1: why they matter, and how I stay committed throughout the year.

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Speaker 1: Welcome back to Sugar Mamma's Fireplay, the podcast where wei

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Speaker 1: ignite your financial independence, fuel your early retirement goals and dreams,

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Speaker 1: and build a life of true, authentic, harmonic wealth. I

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Speaker 1: am your host, Canna Campbell. I'm a financial planner, I'm

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Speaker 1: an author, keynote speaker, and a mother of three. But

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Speaker 1: I'm also someone who's learned the hard way, the confronting way,

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Speaker 1: that goals only work when they're designed to actually support

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Speaker 1: your real life, not compete with it. Now, in my

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Speaker 1: last Fireplay episode, which I published last Monday, I shared

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Speaker 1: the most powerful goal setting insights that I took personally

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Speaker 1: from a two and a half hour podcast episode of

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Speaker 1: Diary of a CEO as he interviewed Chris Williamson and

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Speaker 1: I share the ideas around focus, effort, the systems needed,

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Speaker 1: the power of consistency, and of course like removing the overload.

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Speaker 1: And today, what I want to do is show you

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Speaker 1: how I actually apply these ideas in real life as

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Speaker 1: a busy working mother. Because it's one thing to actually

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Speaker 1: talk about goals and goal settings in theory, but it's

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Speaker 1: another to actually sit down, lock your goals in and

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Speaker 1: commit to them and live with them every single day

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Speaker 1: as you intentionally and proactively work on them to make

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Speaker 1: sure that they actually flourish and they're not just a

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Speaker 1: flaky wish or a dream, but a reality in all

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Speaker 1: of our lives. So in this episode, I'm going to

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Speaker 1: share with you how I set my goals, why my

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Speaker 1: goals actually well, why my year doesn't actually end on

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Speaker 1: the thirty first of December but the first of December.

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Speaker 1: Five goals that I've committed two for twenty twenty six,

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Speaker 1: and exactly how I plan to work towards these goals

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Speaker 1: that is obviously achieving every single one of them as

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Speaker 1: best I can without burning out. And for the record,

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Speaker 1: this is not about perfection. It's about intention, it's about

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Speaker 1: the systems, and it's about self respect. So let us

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Speaker 1: begin now. The first thing I want to explain is

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Speaker 1: this my year ends on December one, not December thirty first,

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Speaker 1: and I do this intentionally, very intentionally. I know myself

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Speaker 1: well enough to know that by mid December, I'm tired,

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Speaker 1: I'm really cranky. The kids that just done that've had enough.

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Speaker 1: They've run out of steam. The school events like the festivals,

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Speaker 1: the performances, all the activities, the barbecues, the catch ups,

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Speaker 1: you know, all those school events just explode. And then

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Speaker 1: you've got Christmas, the Christmas prep, the gifts, the catch

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Speaker 1: up ups, the food preparation. So any spare time that

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Speaker 1: I think I might have to maybe finish off my

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Speaker 1: goals or give them one last hurrah, completely disappears. So

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Speaker 1: what I have learned is instead of pretending I'll magically

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Speaker 1: finish my goals, and not just magically unrealistically think I

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Speaker 1: will finish my goals in late December, I draw a

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Speaker 1: really hard line for myself. For me, December is actually

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Speaker 1: about rest. It's about reflection. It's about reviewing what worked

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Speaker 1: and what didn't and what I can let go of

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Speaker 1: next year or what I really need to ramp up on.

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Speaker 1: And it's about letting ideas settle. You know, you've got

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Speaker 1: the time and the space to just sit on things

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Speaker 1: and think about there's no pressure to quickly start on

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Speaker 1: the next thing, and quietly deciding what I really want

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Speaker 1: to chase for the following years, so that come the

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Speaker 1: first of January, I am ready to launch and I

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Speaker 1: already know what I want, and I'm already planning about

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Speaker 1: how I'm going to achieve those particular things, and I

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Speaker 1: waste no time at all. As often people still in

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Speaker 1: January scrambling to work out what they actually want to achieve,

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Speaker 1: and I've already hit the ground running and I'm already

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Speaker 1: working on achieving those goals. So I use December as

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Speaker 1: a very precious, sacred time of the year, and I

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Speaker 1: can it's really nice to actually switch off and guilt

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Speaker 1: free and just enjoy living in December with all its madness.

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Speaker 1: And this really does align perfectly with one of the

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Speaker 1: Diary of a CEO themes from the podcast I mentioned

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Speaker 1: last week, and that is planning for life happening. You know,

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Speaker 1: goals don't fail, it's the unrealistic timelines that do end

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Speaker 1: in the year early. It forces me to be honest

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Speaker 1: about my time so that I just don't even think

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Speaker 1: about wasting it. It is precious. I also really respect my

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Speaker 1: energy and I design goals that I can actually commit to.

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Speaker 1: All Right, The next thing I want to share with

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Speaker 1: you is why I only set five goals. This is

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Speaker 1: the second rule that I really do live by, and

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Speaker 1: it takes a lot of self discipline for me to

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Speaker 1: just stick to five. So I cap my goals at five.

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Speaker 1: There are no exceptions. However, I will admit I do

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Speaker 1: know how to condense my goals. I used to be

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Speaker 1: this queen of like fifteen goals, sometimes even more, and

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Speaker 1: having these endless lists and feeling like this rush of

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Speaker 1: inspiration and motivation, but just also at the same time

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Speaker 1: completely scattered and all over the shop. But what I

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Speaker 1: learned a few years ago is that overload completely kills

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Speaker 1: momentum and doesn't serve me whatsoever. So now I choose

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Speaker 1: five goals, and I design them to be quite broad,

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Speaker 1: but still incredibly clear and very intentional. And this directs

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Speaker 1: me I guess back to the diary of a CEO

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Speaker 1: episode again, and that was the inside about removing before

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Speaker 1: you add, put a tool down before you pick a

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Speaker 1: new one up. So my goals are in containers, which

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Speaker 1: I really like and I find very sort of easy

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Speaker 1: and satisfying. But each one often includes multiple behaviors, habits,

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Speaker 1: or even outcomes, but they are unified under a single intention.

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Speaker 1: For example, one of my goals is around my health.

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Speaker 1: Now that sounds quite vague and flaky, but is actually

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Speaker 1: very detailed behind it, and that detail actually includes my

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Speaker 1: knee rehab, getting some specific blood tests, particularly around my

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Speaker 1: hormone levels and my minerals, doing my training, my normal

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Speaker 1: everyday cardio and strength training, and of course allowing time

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Speaker 1: for rest and recovery and energy management. So five goals

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Speaker 1: really does force clarity my life, and clarity creates progress.

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Speaker 1: The next important goal setting aspect that I really want

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Speaker 1: to share is my five pillars of harmonic wealth. And

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Speaker 1: I actually got this inspiration, oh gosh, about twenty years

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Speaker 1: ago from a book called Ironically Harmonic Wealth. Now, my

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Speaker 1: goals are never just about money. I know that might

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Speaker 1: sound weird being a financial podcast and me as a

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Speaker 1: financial planner, But for me, these five goals sit across

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Speaker 1: what I call the pillars of authentic wealth, and that

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Speaker 1: is financial, physical, emotional, intellectual, which he also includes obviously professional,

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Speaker 1: and then relationships. Now, they are never perfectly balanced, and

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Speaker 1: that is absolutely okay. The only thing that I look

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Speaker 1: out for is that there is always movement and flow

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Speaker 1: across these five pillars of authentic wealth. But having all

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Speaker 1: five representing a different component of my own personal growth,

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Speaker 1: it helps ensure that I'm actually moving and evolving as

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Speaker 1: a whole person and not just building financial wealth and

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Speaker 1: letting everything else fall apart on the sideline. Seeing you know,

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Speaker 1: for example, my health suffer because I'm so focused on

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Speaker 1: you know, paying off farm more weird or investing or

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Speaker 1: whatever you know the goal may be, which is something

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Speaker 1: I think is really important to have your finger on

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Speaker 1: the pulse of looking at your life as a whole

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Speaker 1: and the important pillars that you really value and how

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Speaker 1: you want to uphold them and manage them in harmony

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Speaker 1: with flow as best you can. And this really does

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Speaker 1: link back to that idea of return on investment, return

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Speaker 1: on effort from the divers CEO podcast last Monday. You know,

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Speaker 1: the best goals don't just grow your bank balance or

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Speaker 1: your share portfolio or your superannuation portfolio. They grow you

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Speaker 1: deep inside where you are almost unrecognizable from where you

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Speaker 1: start on the first of January and where you end

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Speaker 1: on the first of December. The next one thing I

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Speaker 1: want to share with you is this commitment rule. Once

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Speaker 1: my goals are set, they are locked and loaded. Yes,

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Speaker 1: I allow within reasons and tweaking adjustments to the timelines

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Speaker 1: and refining the strategies, but under no circumstances am I

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Speaker 1: allowed to quit? And because of that commitment rule, it

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Speaker 1: forces me to really make sure I have chosen goals

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Speaker 1: that I am one hundred percent sure about their goals,

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Speaker 1: that I really care about achieving, goals that I'm going

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Speaker 1: to feel really proud working on those goals, going through

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Speaker 1: the growth behind those goals, and hopefully completing those goals.

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Speaker 1: And it really does make me operate from a place

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Speaker 1: of authenticity and honesty and stay in integrity within myself

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Speaker 1: and for me the way that I think and look

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Speaker 1: at quitting, it's actually not about failure. It actually stems

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Speaker 1: back to choosing the wrong goal in the first place

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Speaker 1: to begin with. So really investing time to make sure

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Speaker 1: you are one hundred percent sure, you are one hundred

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Speaker 1: percent certain these are the goals that you're going to

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Speaker 1: take seriously and you're willing to sacrifice, dedicate, and commit

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Speaker 1: for the next twelve or eleven months if you follow

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Speaker 1: my formula and making sure that they really happen and

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Speaker 1: you're excited about the growth and challenges that will come

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Speaker 1: your way as you work on those goals. The next

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Speaker 1: thing I want to share with you is my daily anchor,

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Speaker 1: and that's really about the habit system of my goals

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Speaker 1: and reading my goals in particular. So every single morning,

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Speaker 1: yes seven days a week, at five am, I get

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Speaker 1: up and I read my goals. It takes me literally

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Speaker 1: a couple of minutes, and I have a beautiful ritual

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Speaker 1: where I bang myself a cup of coffee at homes

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Speaker 1: and on the sofa with the dogs and just read

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Speaker 1: my goals. It takes literally two minutes. And this is

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Speaker 1: not because I lack discipline and I need to read

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Speaker 1: my goals. It's because it reconnects me to my why

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Speaker 1: am I working on these goals, why they're so important

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Speaker 1: to me? And it filters the distractions and the temptations

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Speaker 1: which naturally come my way as they do in everybody

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Speaker 1: else's lives and daily activities, and it really helps me

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Speaker 1: spot the opportunities. I'm thinking about that goal, I'm thinking

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Speaker 1: about how can I achieve that goal quickly? How can

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Speaker 1: I achieve that goal efficiently? And it's amazing just the

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Speaker 1: way that your mindset and what you're actually doing, you

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Speaker 1: start to see things that you wouldn't normally see and

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Speaker 1: you can actually jump on those opportunities and actually leap

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Speaker 1: frog and have faster, more effet success throughout the year.

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Speaker 1: And it also really helps me keep my central nervous

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Speaker 1: system calm and focused. This is a system, it's not

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Speaker 1: actually a motivation. This system is what builds the motivation.

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Speaker 1: And again this is another insight and crossover with Diary

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Speaker 1: over CEO. Turn your goals into systems if you want

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Speaker 1: to see them flourish. I don't just rely on willpower. Yes,

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Speaker 1: willpower is really important, But behind making my goals happen

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Speaker 1: is a structure. It's a habit system. It's got strong rituals,

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Speaker 1: all of which I respect and honor because I know

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Speaker 1: that they will help transform my life, my year into

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Speaker 1: very different outcomes and results and feelings of pride, self

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Speaker 1: worth and confidence. So now I want to share with

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Speaker 1: you my five goals for the year. Goal number one

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Speaker 1: and that is to invest in our home. Now, this

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Speaker 1: goal actually evolved at the very last minute, and I

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Speaker 1: will admit it was inspired by their Diary of a CEO.

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Speaker 1: So originally this goal was all about trying to make

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Speaker 1: some extra lump some repayments towards the mortgage at the

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Speaker 1: Tom and I have on our family home. But reflecting

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Speaker 1: on the concept of return on investment. I have a

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Speaker 1: bit of a wake up call and a bit of

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Speaker 1: a realization, So right now I'm actually going to focus

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Speaker 1: instead of making extra lumps some mortgage repayments, I'm actually

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Speaker 1: going to look at improving the comfort and the liveability

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Speaker 1: of our home because there's actually a better return of

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Speaker 1: effort and value there. So this includes installing skylight bring

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Speaker 1: in more lightness to our home, improving the decks that

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Speaker 1: are starting to sort of fall apart. We're going to

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Speaker 1: completely rip them up and put beautiful stone pavers down. Instead,

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Speaker 1: We're going to be doing work on our garden, and

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Speaker 1: fingers crossed, if I stick to my systems and my

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Speaker 1: habits and my rituals, hopefully renovate the kid's bathroom. I'm

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Speaker 1: approaching this slowly. I'm not trying to do everything all

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Speaker 1: at once. I'm just focusing on one area at a time.

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Speaker 1: I've put together a vision board with lots of beautiful

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Speaker 1: images to help me. I'm also getting lots of quotes.

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Speaker 1: I'm researching all the different ideas and solutions and costs,

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Speaker 1: and I'm learning about where it's worth saving and where

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Speaker 1: I actually do need to invest. And this is most

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Speaker 1: definitely not rushed spending is actually intentional investment goal number two,

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Speaker 1: and that is to invest ten thousand dollars into the

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Speaker 1: one thousand dollar project. As I shared with you in

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Speaker 1: my previous episode, I think it was about six weeks

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Speaker 1: ago that I published it. I managed to put an

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Speaker 1: extra one hundred thousand dollars off our mortgage. This was

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Speaker 1: hard work. The key behind this one hundred thousand dollars,

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Speaker 1: which is a huge amount of money I still can't

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Speaker 1: believe actually managed to do it, But it was really

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Speaker 1: very much about consistency, even doing one hundred dollar transfers,

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Speaker 1: three hundred dollar transfers, fifty dollars transfers, and then obviously

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Speaker 1: lump sums like bonuses or tax refunds. These sort of

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Speaker 1: helped pay off and get me there, but honestly I

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Speaker 1: got to the finish line exhausted, not burnt out, but exhausted.

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Speaker 1: So the original plan last year was to put a

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Speaker 1: debt recycling strategy in place where the one hundred thousand

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Speaker 1: dollars was taken by the bank and that it was

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Speaker 1: made available through a separate investment loan of one hundred

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Speaker 1: thousand dollars, which I'd then go and put in a

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Speaker 1: thousand dollar project. When it came to pulling the trigger,

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Speaker 1: something happened, like something in my gut came up and

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Speaker 1: I pressed pause. And it was a combination of the

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Speaker 1: talk around change and interest rates, something in my gut,

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Speaker 1: and just the timing of things that were going on

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Speaker 1: both personal life but also financially as well. So instead

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Speaker 1: of forcing it, I asked myself, how do I keep

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Speaker 1: the momentum going with this goal of investing in the

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Speaker 1: thousand dollar project, but take away the stress and pressure.

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Speaker 1: So what I've done is I guess downsized this goal

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Speaker 1: if you'd like to say so, I'm committing to investing

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Speaker 1: ten thousand dollars into the thousand dollar project, not through

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Speaker 1: debt recycling yet, but through my good old fashioned sight hustling.

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Speaker 1: So selling clothes on Deepop. I've actually already made about

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Speaker 1: four or five hundred dollars already. I'm selling pieces of

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Speaker 1: furniture that we don't need, they're cluttering our home or

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Speaker 1: they don't work with a style. I'm also going to

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Speaker 1: be taking on extra work over the weekends, and I've

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Speaker 1: got a little list, a hit list of all different

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Speaker 1: sort of small side hustles that can help make that

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Speaker 1: you know, ten thousand dollars and put that money into

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Speaker 1: my thousand dollar project will follow, which for the record,

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Speaker 1: is worth over three hundred and sixty five thousand dollars,

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Speaker 1: which I'm really proud of. And you know, this aligns

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Speaker 1: beautifully with again the diary CEO about the importance of

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Speaker 1: consistency over intensity. Progress really does matter. Even when it

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Speaker 1: feels slow and frustrating and boring, You're still chipping away,

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Speaker 1: and that's something to feel really proud of. And you

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Speaker 1: never knows. You keep chipping away, there could be an

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Speaker 1: incredible breakthrough just around the corner. So keep tapping, keep chipping,

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Speaker 1: keep trying with all of your goals, all right. Goal

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Speaker 1: number three my health and my energy. So, as I mentioned,

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Speaker 1: I have these pillars in my life. Like you know

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Speaker 1: about this humus wealth, this one in particular is a

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Speaker 1: non negotiable. So for me and as everyone else, my

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Speaker 1: energy really affects my ability to focus and concentrate, my

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Speaker 1: mood and even my mood swings, which tom will confirm

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Speaker 1: my sense of efficiency in getting work done, you know

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Speaker 1: before five pm, you know, before school pickup. It impacts

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Speaker 1: my parenting skills. I tend to be a lot crankier

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Speaker 1: and fly off the handle, you know, my kids, when

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Speaker 1: I don't have the right levels of energy, and of

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Speaker 1: course my decision making, you know, I get incredible decision

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Speaker 1: making fatigue over the simplest things like even ordering tupperware

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Speaker 1: containers and plates and glasses and things like that. It's

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Speaker 1: really hard for me. So to help make sure that

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Speaker 1: these goals happen around my health and wellbeing, I've actually

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Speaker 1: already gone ahead and booked all the doctors and specialist appointments.

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Speaker 1: I've already done the blood tests, I got the rehab

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Speaker 1: booked in for my knee. I've already got the habit

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Speaker 1: system in place with my rehab for my knee. I've

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Speaker 1: got my structured gym days in my routine, and I've

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Speaker 1: built a rich so I don't decide to do the exercise,

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Speaker 1: to do the meditation, to do the reading. I just

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Speaker 1: do it without actually having to think about it. And

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Speaker 1: this is about protecting, you know, my central nervous system,

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Speaker 1: so that I actually show up as my best. And

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Speaker 1: that means my best. It means looking and feeling calm, rational,

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Speaker 1: but also reliable to you, to my family, to my friends.

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Speaker 1: Goal number four is about relationships, and this one is

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Speaker 1: deeply intentional, you know, having more time for connection, particularly

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Speaker 1: one on one time. So I have locked in time

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Speaker 1: with Tom to have just time Tom and I talking

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Speaker 1: with each other. I have locked in one on one

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Speaker 1: time with each of my three children, Rocco, Apple, and Tiger.

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Speaker 1: And they're not four hour episodes. There between half an

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Speaker 1: hour to two hours with each child and with each

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Speaker 1: child alone that I haven't have to fight with their

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Speaker 1: siblings for my attention. And this includes date nights, and

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Speaker 1: it includes those micro moments in between activities, in between

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Speaker 1: you know, taking kids to swimming lessons or taking kids

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Speaker 1: to nippers or you know, taking kids to those extracurricular

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Speaker 1: activities is where it can be with each family member. Also,

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Speaker 1: of course, my beautiful friends, where phones are put away,

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Speaker 1: they're in the bag and it's just about listening and

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Speaker 1: connecting and actually playing, you know, learning to laugh again

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Speaker 1: and to have fun. And they are locked in my

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Speaker 1: diary because when I have something scheduled in, it gets honored.

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Speaker 1: And again it's a great reminder that money is there

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Speaker 1: to support connection, never to replace it. Goal number five

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Speaker 1: and that is around my intellectual, professional, and emotional growth.

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Speaker 1: Now this pillar very much does feed everything else. You know,

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Speaker 1: my anchor habit reading every morning. At five am. At night,

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Speaker 1: I am completely shattered, like I am brain dead. I

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Speaker 1: am ready just to close my eyes and pass out. However,

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Speaker 1: in the morning, I have so much energy. I am curious,

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Speaker 1: I am ready to seize the day. I'm bursting at

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Speaker 1: the seams with motivation and inspiration and I'm feeling incredibly

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Speaker 1: open minded. So I capitalize on that. And you know,

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Speaker 1: this is where I do my goals. I read my goals,

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Speaker 1: but I also read. I do my readings in the

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Speaker 1: morning and do the type of reading that really does

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Speaker 1: fuel my work. So at the moment, I'm reading a

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Speaker 1: Valuable by Roger Montgomery, which is a great book around finance.

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Speaker 1: But I'm reading things including self help. I'm a self

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Speaker 1: help junkie. Growth that helps fill my cup. And this

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Speaker 1: is not about hustling, you know, trying to be a

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Speaker 1: better investor or you know, be the perfect person or

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Speaker 1: the perfect parent. It's actually about nourishment. And of course

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Speaker 1: behind this is my habit system where I know that

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Speaker 1: missing one day it's okay, that's forgivable. Missing two days

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Speaker 1: in a row that's actually a red flag. That danger

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Speaker 1: is ahead and that I need to wake up, step up,

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Speaker 1: and get back in control if I want this year

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Speaker 1: to be my best year ever. So there are my goals,

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Speaker 1: and more importantly, the systems that I have built already

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Speaker 1: behind them to help give them the best chance to succeed,

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Speaker 1: and to succeed efficiently and effectively, upholding my energy and

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Speaker 1: my values all at the same time. Now, if there

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Speaker 1: is one message that I want you to take from

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Speaker 1: this episode, it is this you do not need more goals.

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Speaker 1: You just need clearer ones, Clearer ones with more definition,

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Speaker 1: ones that are designed around your real life, your energy levels,

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Speaker 1: and of course your values. Goals aren't about pressure. They're

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Speaker 1: about direction and deep purpose and the growth and the

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Speaker 1: journey and the adventure as you work on each single one,

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Speaker 1: and when they're done well, they don't actually drain you,

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Speaker 1: they actually steady you. If you would like me to

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Speaker 1: make another special podcast episode where I share with you

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Speaker 1: how I maintain my mindset and my motivation levels, and

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Speaker 1: how I actually track these goals, in particular the financial goals,

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Speaker 1: and what I do when things go off course, which

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Speaker 1: I expect they will at some stage naturally, and of

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Speaker 1: course how I stay consistent, without guilt, without pressure, without

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Speaker 1: self destruction. Even let me know in the rating and

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Speaker 1: the reviews of this podcast, because I will keep an

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Speaker 1: eye out for all of your feedback, all of your comments,

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Speaker 1: and if you do want this episode, I will make

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Speaker 1: sure I action this immediately for you so that you

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Speaker 1: have this episode fresh in the year now. In the meantime,

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Speaker 1: thank you so much for listening to today's episode on

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Speaker 1: Sugar Mamma's Fireplay. It's been an honor to connect with

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Speaker 1: you this morning. I'm Canna Campbell and as always, keep

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Speaker 1: that financial fire burning bright within. This is Sugar Mamma's

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Speaker 1: five