1 00:00:00,400 --> 00:00:03,400 Speaker 1: How I personally love to set my financial goals for 2 00:00:03,480 --> 00:00:20,960 Speaker 1: a successful year ahead without burning out. Hi, everyone, welcome 3 00:00:21,000 --> 00:00:23,640 Speaker 1: back to start here, the very special mini series within 4 00:00:23,720 --> 00:00:27,240 Speaker 1: Sugar Mama's Fireplay, where I answer your real life money 5 00:00:27,280 --> 00:00:31,120 Speaker 1: questions with practical, empowering steps to help you build financial 6 00:00:31,120 --> 00:00:35,400 Speaker 1: confidence and clarity, but most importantly, get started on your 7 00:00:35,440 --> 00:00:39,959 Speaker 1: own financial journey. Now, today's question is all around how 8 00:00:39,960 --> 00:00:42,720 Speaker 1: to get started with your own financial goals. This is 9 00:00:42,720 --> 00:00:45,320 Speaker 1: what someone wrote to me. Hey, Canna, I've heard you 10 00:00:45,400 --> 00:00:48,559 Speaker 1: mentioned the importance of having financial goals to work on 11 00:00:49,040 --> 00:00:51,680 Speaker 1: and how you like to do your financial goals. Differently, 12 00:00:51,800 --> 00:00:55,080 Speaker 1: it sounds like you must do them a bit spiritually. Now, 13 00:00:55,160 --> 00:00:58,720 Speaker 1: I've never actually had any financial goals to work on before, 14 00:00:58,800 --> 00:01:01,920 Speaker 1: but I'm feeling super inspired being the start of the 15 00:01:01,960 --> 00:01:05,640 Speaker 1: new year, and I really want to improve my financial wellbeing. 16 00:01:06,360 --> 00:01:09,160 Speaker 1: So how do you recommend I get started with my 17 00:01:09,319 --> 00:01:13,720 Speaker 1: own financial goals? Now? I love this question because it's 18 00:01:13,800 --> 00:01:17,160 Speaker 1: honest and it tells me that this particular listener is 19 00:01:17,680 --> 00:01:22,119 Speaker 1: ready to take their financial future seriously and that their 20 00:01:22,200 --> 00:01:25,480 Speaker 1: journey is not just about ticking boxes or you know, 21 00:01:25,640 --> 00:01:27,480 Speaker 1: looking at their list of things to do for the year, 22 00:01:27,880 --> 00:01:30,920 Speaker 1: but they're ready to actually build a life that feels intentional, 23 00:01:31,240 --> 00:01:38,119 Speaker 1: not exhausting. Now, for the record, I absolutely hate those 24 00:01:38,319 --> 00:01:43,919 Speaker 1: generic general smart goals acronyms or you know, those really 25 00:01:44,040 --> 00:01:46,760 Speaker 1: rigid frameworks when it comes to setting your goals. And 26 00:01:46,800 --> 00:01:49,800 Speaker 1: I'm not just talking about those financial ones. For me, 27 00:01:50,120 --> 00:01:53,840 Speaker 1: it's about how I personally set financial goals and my 28 00:01:53,880 --> 00:01:56,720 Speaker 1: personal growth and development goals in a way that really 29 00:01:56,760 --> 00:02:01,600 Speaker 1: supports my own personal growth my values, but also helps 30 00:02:01,640 --> 00:02:04,120 Speaker 1: create a sense of peace and harmony in my life, 31 00:02:04,760 --> 00:02:08,120 Speaker 1: so that money becomes something that actually supports me and 32 00:02:08,240 --> 00:02:12,320 Speaker 1: aids me, not something that ever actually drains me. So 33 00:02:12,440 --> 00:02:16,000 Speaker 1: today's episode, I'm absolutely honored to share with you personally 34 00:02:16,960 --> 00:02:20,800 Speaker 1: behind the scenes as to how I approach, set, and 35 00:02:21,040 --> 00:02:26,600 Speaker 1: work on my financial goals for the best success possible. 36 00:02:27,160 --> 00:02:31,160 Speaker 1: So let us begin or right step one, I only 37 00:02:31,200 --> 00:02:35,000 Speaker 1: work on my goals for eleven months. Okay, this is 38 00:02:35,040 --> 00:02:37,280 Speaker 1: going to sound a little bit peculiar, but bear with me. 39 00:02:38,480 --> 00:02:41,320 Speaker 1: One of the most important things that I love to 40 00:02:41,360 --> 00:02:44,920 Speaker 1: do is I give my goals almost like a container, 41 00:02:45,360 --> 00:02:49,560 Speaker 1: like a boundary of time. So I will only actively 42 00:02:49,639 --> 00:02:52,840 Speaker 1: work on my goals from the first of January to 43 00:02:52,919 --> 00:02:57,040 Speaker 1: the first of December, and that's it. My deadlines up. 44 00:02:57,440 --> 00:03:00,400 Speaker 1: You know, the time is done. I'm finished. Now. This 45 00:03:00,520 --> 00:03:02,560 Speaker 1: may sound a little bit odd, like why would I 46 00:03:02,600 --> 00:03:04,760 Speaker 1: go and do that? Why would I cut my time 47 00:03:04,800 --> 00:03:08,280 Speaker 1: frame to work on my goals? Well for me personally, 48 00:03:08,400 --> 00:03:09,800 Speaker 1: I'm sure a lot of people will relate to this 49 00:03:09,840 --> 00:03:13,240 Speaker 1: as well. But December is a pretty crazy time of 50 00:03:13,280 --> 00:03:17,519 Speaker 1: the year. The energy shifts, the priority shifts. It's really, 51 00:03:17,680 --> 00:03:22,280 Speaker 1: for me, a time about family, about friends, It's about reflection, 52 00:03:22,600 --> 00:03:26,680 Speaker 1: it's about celebration. It's about letting go and letting my 53 00:03:26,840 --> 00:03:29,800 Speaker 1: hair down. And you know, I never want to be 54 00:03:29,840 --> 00:03:33,560 Speaker 1: in a position where I feel this pressure from myself 55 00:03:34,400 --> 00:03:37,400 Speaker 1: because I haven't quite finished my financial goals and at 56 00:03:37,440 --> 00:03:39,520 Speaker 1: a time where I need to be thinking about my 57 00:03:39,600 --> 00:03:43,360 Speaker 1: kids and school, holidays and seeing my friends, then beating 58 00:03:43,360 --> 00:03:46,320 Speaker 1: myself up because I haven't actually finished my goals and 59 00:03:46,320 --> 00:03:49,520 Speaker 1: I'm actually running out of energy perhaps and really actually 60 00:03:49,560 --> 00:03:51,520 Speaker 1: needing a rest and to be heading to the beach. 61 00:03:51,560 --> 00:03:54,000 Speaker 1: I don't want to put myself in that position where 62 00:03:54,000 --> 00:03:56,520 Speaker 1: I feel bad about myself, I feel pressure, or I 63 00:03:56,560 --> 00:03:58,560 Speaker 1: even feel maybe guilty and a shame that I haven't 64 00:03:58,560 --> 00:04:02,520 Speaker 1: actually properly completed my goals. So by knowing that my 65 00:04:02,600 --> 00:04:05,720 Speaker 1: deadline is the first December, it really does change my 66 00:04:05,760 --> 00:04:08,600 Speaker 1: attitude and my mindset towards my goals. And I'm a 67 00:04:08,640 --> 00:04:11,680 Speaker 1: lot more respectful of the time that I have available. 68 00:04:11,720 --> 00:04:13,960 Speaker 1: And you know, for me, knowing that I only have 69 00:04:14,120 --> 00:04:17,440 Speaker 1: eleven months to work on my goals, it creates this 70 00:04:17,839 --> 00:04:21,839 Speaker 1: very valuable sense of urgency in my life. I am 71 00:04:22,040 --> 00:04:25,880 Speaker 1: way more focused. I am really intentional with what I 72 00:04:25,880 --> 00:04:28,200 Speaker 1: want to do and why, and I tend to get 73 00:04:28,240 --> 00:04:31,360 Speaker 1: a lot less distracted because the clock is ticking. You know, 74 00:04:31,480 --> 00:04:34,240 Speaker 1: I need to hit the ground running and make great progress. 75 00:04:34,320 --> 00:04:37,080 Speaker 1: And you know, when I'm feeling motivated inspired, you know, 76 00:04:37,240 --> 00:04:41,320 Speaker 1: make hay whilst the sun shines. So if this feels 77 00:04:41,440 --> 00:04:43,680 Speaker 1: new to you, but you're curious and you'd like to 78 00:04:43,720 --> 00:04:48,200 Speaker 1: maybe think about trying this and giving yourself this limited 79 00:04:48,480 --> 00:04:51,559 Speaker 1: timeframe to achieve your goals, you might want to maybe 80 00:04:51,600 --> 00:04:54,960 Speaker 1: ask yourself this simple question to help I guess start 81 00:04:55,000 --> 00:04:58,120 Speaker 1: the creative juices flowing, and that is, when do I 82 00:04:58,200 --> 00:05:01,159 Speaker 1: want to really push myself to the goals that I 83 00:05:01,200 --> 00:05:04,239 Speaker 1: have for twenty twenty six and when do I actually 84 00:05:04,240 --> 00:05:08,400 Speaker 1: want to press pause or perhaps even press end for 85 00:05:08,520 --> 00:05:12,360 Speaker 1: the year. You know this one question alone can really 86 00:05:12,560 --> 00:05:16,119 Speaker 1: help you understand how you want your year to look 87 00:05:16,440 --> 00:05:19,360 Speaker 1: and how you want to feel throughout the year, particularly 88 00:05:19,440 --> 00:05:22,400 Speaker 1: when it comes to the realistic times of when you 89 00:05:22,480 --> 00:05:25,120 Speaker 1: are going to need to have to press rest or 90 00:05:25,160 --> 00:05:29,440 Speaker 1: even perhaps even reset and recharge. Step number two is 91 00:05:29,560 --> 00:05:33,719 Speaker 1: I choose a really beautiful balance of mixed goals. Now, 92 00:05:33,720 --> 00:05:36,320 Speaker 1: when I sit down with my journal, which is actually 93 00:05:36,360 --> 00:05:39,520 Speaker 1: this year a part of my twenty twenty six diary 94 00:05:39,600 --> 00:05:43,640 Speaker 1: to help me stay organized, I ask myself these three questions. 95 00:05:43,880 --> 00:05:46,680 Speaker 1: Which goals will light me up so that they to 96 00:05:46,680 --> 00:05:48,760 Speaker 1: the point where they almost like scare me with a 97 00:05:48,760 --> 00:05:52,839 Speaker 1: little bit of nervous excitement. Which goals will support those 98 00:05:53,080 --> 00:05:57,240 Speaker 1: long term financial security and independence like my fire goals 99 00:05:57,279 --> 00:06:00,760 Speaker 1: and my big fire picture. And which goals will stretch 100 00:06:00,839 --> 00:06:03,840 Speaker 1: me just enough so that I grow in the right 101 00:06:03,960 --> 00:06:08,719 Speaker 1: way without ever tipping me into the point of burnout. 102 00:06:09,000 --> 00:06:13,800 Speaker 1: For me, balance is matters. Balance though for me is 103 00:06:14,120 --> 00:06:17,960 Speaker 1: very much about flow. I don't really believe in work 104 00:06:18,000 --> 00:06:20,920 Speaker 1: life balance, but I believe in work life flow. There 105 00:06:20,920 --> 00:06:23,000 Speaker 1: are times in your life where there is a dominance 106 00:06:23,040 --> 00:06:25,400 Speaker 1: towards work. There is a time in your life whether 107 00:06:25,400 --> 00:06:28,760 Speaker 1: there is a dominance towards say, for example, spending time 108 00:06:28,880 --> 00:06:32,599 Speaker 1: with family or with friends. So for example, I love 109 00:06:32,640 --> 00:06:35,920 Speaker 1: to pair my goal, so I will pair a passive 110 00:06:35,960 --> 00:06:39,719 Speaker 1: income goal or a wealth goal with a lifestyle goal. 111 00:06:40,279 --> 00:06:42,560 Speaker 1: So I will have a passive income goal of say 112 00:06:42,839 --> 00:06:45,200 Speaker 1: everyone knows I've shared this many many times, but say 113 00:06:45,240 --> 00:06:47,679 Speaker 1: two hundred thousand dollars a year. But then I'll also 114 00:06:47,760 --> 00:06:50,720 Speaker 1: have a health and fitness goal where I work on 115 00:06:50,839 --> 00:06:54,800 Speaker 1: my strength, I work on my endurance, my resistance, the 116 00:06:54,839 --> 00:06:58,520 Speaker 1: weight training. I'll also have goals around, say get reduction, 117 00:06:58,640 --> 00:07:01,039 Speaker 1: like trying to pay off our mortgage, but also have 118 00:07:01,120 --> 00:07:04,960 Speaker 1: a goal joy based or a goal around that's very grounding, 119 00:07:05,040 --> 00:07:07,960 Speaker 1: like a meditation goal team with say a holiday goal. 120 00:07:08,560 --> 00:07:10,640 Speaker 1: You know, a growth goal is something that really does 121 00:07:10,720 --> 00:07:13,880 Speaker 1: help stabilize me, you know, and makes me feel strong 122 00:07:13,920 --> 00:07:16,800 Speaker 1: and secure and resilient, which I think a lot of 123 00:07:16,840 --> 00:07:19,920 Speaker 1: people need in their lives, particularly after going through what 124 00:07:20,000 --> 00:07:23,560 Speaker 1: we've experienced from twenty twenty five, particularly towards the end 125 00:07:23,560 --> 00:07:26,200 Speaker 1: of the year. And a great goal, if you're thinking 126 00:07:26,240 --> 00:07:28,720 Speaker 1: about a goal that will help stabilize you, could be 127 00:07:28,760 --> 00:07:32,160 Speaker 1: something as simple as rebuilding your emergency money. You know 128 00:07:32,240 --> 00:07:35,640 Speaker 1: your financial plan and might say financial plan, your financial strategy, 129 00:07:35,680 --> 00:07:40,000 Speaker 1: your financial gain plan should really be focused around supporting 130 00:07:40,040 --> 00:07:42,960 Speaker 1: the life that you want to live, not about ever 131 00:07:43,240 --> 00:07:47,880 Speaker 1: punishing you into submission. And if this feels overwhelming, can 132 00:07:47,920 --> 00:07:51,600 Speaker 1: I recommend you start really small with your goals. Don't 133 00:07:51,600 --> 00:07:53,920 Speaker 1: give yourself lots of them. Maybe just start with just 134 00:07:54,040 --> 00:07:56,600 Speaker 1: one simple goal that you'd like to work on this year, 135 00:07:57,160 --> 00:08:00,960 Speaker 1: a goal that makes you feel safe, stay and even 136 00:08:00,960 --> 00:08:03,720 Speaker 1: a sense of like financial harm in your life. And 137 00:08:03,760 --> 00:08:06,960 Speaker 1: then that one goal is enough. You don't have to 138 00:08:07,040 --> 00:08:10,160 Speaker 1: overload yourself. And for the record, I never have more 139 00:08:10,240 --> 00:08:13,600 Speaker 1: than five goals at any time. Step number three is 140 00:08:13,680 --> 00:08:17,840 Speaker 1: my goals are always written, and they're always written before 141 00:08:18,160 --> 00:08:21,679 Speaker 1: the year actually starts. So yes, in December I already 142 00:08:21,720 --> 00:08:25,320 Speaker 1: wrote down my goals. Now I'm very old school, but 143 00:08:25,440 --> 00:08:29,120 Speaker 1: I love writing things down, not on a computer but 144 00:08:29,160 --> 00:08:32,480 Speaker 1: actually pen to paper, you know, as I've just mentioned, 145 00:08:32,559 --> 00:08:34,520 Speaker 1: I use like a dedicated journal, which is part of 146 00:08:34,520 --> 00:08:37,640 Speaker 1: my twenty twenty six diary, which is something slightly different 147 00:08:37,679 --> 00:08:40,680 Speaker 1: than I'm doing this year. And I love to write 148 00:08:40,720 --> 00:08:45,400 Speaker 1: my goals before the year ends, so that when January 149 00:08:45,920 --> 00:08:49,319 Speaker 1: is here, which it is, I am not thinking, I'm 150 00:08:49,320 --> 00:08:52,800 Speaker 1: actually already executing I've hit the ground running and I 151 00:08:52,840 --> 00:08:56,400 Speaker 1: am already on the first of January working on those goals. 152 00:08:57,080 --> 00:08:59,760 Speaker 1: So if you are someone who's got some goals already 153 00:08:59,760 --> 00:09:02,840 Speaker 1: that you're thinking about for the year ahead, amazing promise 154 00:09:02,880 --> 00:09:05,160 Speaker 1: me you will go and write them down. And when 155 00:09:05,240 --> 00:09:07,160 Speaker 1: you find that you write them down, there's something quite 156 00:09:07,480 --> 00:09:10,120 Speaker 1: powerful within you that happens. There's a bit of a shift. 157 00:09:10,480 --> 00:09:13,240 Speaker 1: It really does help clarify your thinking when you're putting 158 00:09:13,320 --> 00:09:17,360 Speaker 1: pen to paper, and it forces you to think honestly 159 00:09:17,640 --> 00:09:20,520 Speaker 1: about what your priorities and what your values really are. 160 00:09:20,800 --> 00:09:22,640 Speaker 1: In fact, as you're writing your goals, you might actually 161 00:09:22,679 --> 00:09:25,400 Speaker 1: realize they might even need to be slightly tweaked or changed, 162 00:09:25,559 --> 00:09:28,640 Speaker 1: or perhaps change the deadline, or perhaps change them completely. 163 00:09:29,160 --> 00:09:31,640 Speaker 1: You know, writing your goals down means that you know, 164 00:09:31,720 --> 00:09:35,000 Speaker 1: if you're feeling vague, you'll suddenly have this amazing sense 165 00:09:35,040 --> 00:09:37,040 Speaker 1: of clarity. You can actually start to get so much 166 00:09:37,200 --> 00:09:41,400 Speaker 1: clearer about your hopes and start shifting them into promises 167 00:09:41,440 --> 00:09:44,360 Speaker 1: and commitments within yourself, and it gives you something to 168 00:09:44,400 --> 00:09:47,319 Speaker 1: come back to as a point of comparison if you're 169 00:09:47,320 --> 00:09:49,760 Speaker 1: ever feeling a little bit flat or your motivation levels 170 00:09:49,760 --> 00:09:52,480 Speaker 1: are dipping and for the record, these goals aren't just 171 00:09:52,679 --> 00:09:56,719 Speaker 1: random or herd mentality goals like the generic ones that think, oh, well, 172 00:09:56,720 --> 00:09:58,440 Speaker 1: my best friend's doing that goal, I should probably go 173 00:09:58,440 --> 00:10:00,920 Speaker 1: and do the same. Got to be sort of your 174 00:10:01,000 --> 00:10:04,319 Speaker 1: big picture vision goals, goals that you know, light you up, 175 00:10:04,480 --> 00:10:06,720 Speaker 1: where you see yourself, where you would feel really proud 176 00:10:06,760 --> 00:10:09,240 Speaker 1: about yourself in the future. So base that your goals 177 00:10:09,320 --> 00:10:12,760 Speaker 1: around that big picture, that long term vision of yourself. 178 00:10:13,480 --> 00:10:15,880 Speaker 1: You know, this for me has included, you know, building 179 00:10:15,880 --> 00:10:18,160 Speaker 1: a passive income of two hundred thousand dollars a year. 180 00:10:18,760 --> 00:10:20,920 Speaker 1: Another goal of mine is to be mortgage free. These 181 00:10:20,920 --> 00:10:23,680 Speaker 1: are obviously long term goals, not goals to twenty twenty six, 182 00:10:23,760 --> 00:10:26,600 Speaker 1: but goals that are all in alignment to that big picture. 183 00:10:26,920 --> 00:10:28,480 Speaker 1: And of course you know, at the end of the day, 184 00:10:28,600 --> 00:10:32,280 Speaker 1: my big goal is about creating flexibility and freedom and 185 00:10:32,320 --> 00:10:35,800 Speaker 1: that financial harmony and peace for my family well into 186 00:10:35,840 --> 00:10:39,680 Speaker 1: the long run. So if your goal doesn't serve that 187 00:10:39,800 --> 00:10:43,360 Speaker 1: big picture, that big vision of yours, I highly recommend 188 00:10:43,440 --> 00:10:46,960 Speaker 1: just pausing on it and questioning it and perhaps dissecting it, 189 00:10:47,320 --> 00:10:50,960 Speaker 1: examining it, polishing it up, and tweaking and changing it 190 00:10:51,000 --> 00:10:54,720 Speaker 1: as many times as you need. To until you feel like, right, okay, 191 00:10:55,160 --> 00:10:57,679 Speaker 1: that goal is now the right goal for me, and 192 00:10:57,760 --> 00:11:01,200 Speaker 1: I'm seriously ready and excited to get it started and 193 00:11:01,400 --> 00:11:05,319 Speaker 1: embrace the journey ahead. And this alone, again can really 194 00:11:05,360 --> 00:11:08,800 Speaker 1: help eliminate the distractions that naturally come away, like those 195 00:11:08,840 --> 00:11:12,840 Speaker 1: shiny object syndromes which we are all guilty of. The 196 00:11:12,880 --> 00:11:16,280 Speaker 1: next step, step four is every goal of mine has 197 00:11:16,400 --> 00:11:19,920 Speaker 1: a deadline and a season. This is where I think 198 00:11:19,960 --> 00:11:22,760 Speaker 1: a lot of people can sometimes go wrong or make 199 00:11:22,800 --> 00:11:24,800 Speaker 1: it rod for their own back when it comes to 200 00:11:24,880 --> 00:11:28,000 Speaker 1: their goals. You know, when they set their goals, they 201 00:11:28,040 --> 00:11:31,400 Speaker 1: don't actually allocate a dedicated amount of time, energy, or 202 00:11:31,440 --> 00:11:34,760 Speaker 1: even make sure it's been put in as a priority. Now, 203 00:11:35,000 --> 00:11:37,560 Speaker 1: I don't work on all of my goals at once 204 00:11:38,000 --> 00:11:40,800 Speaker 1: because if I do, I get really burnt out, and 205 00:11:40,840 --> 00:11:42,720 Speaker 1: to be really honest, it can actually impact my mental 206 00:11:42,760 --> 00:11:44,200 Speaker 1: health because I look at my goals and think I'm 207 00:11:44,200 --> 00:11:47,600 Speaker 1: barely making any progress with all five goals, and I 208 00:11:48,040 --> 00:11:50,600 Speaker 1: start to feel really flat. I start to feel really 209 00:11:50,640 --> 00:11:53,720 Speaker 1: irritated myself, and I can almost kind of get become 210 00:11:53,760 --> 00:11:57,359 Speaker 1: a bit of a rebel and sometimes even self destruct. 211 00:11:57,640 --> 00:12:02,199 Speaker 1: So because I'm aware of this, I instead choose one 212 00:12:02,559 --> 00:12:06,200 Speaker 1: priority goal at a time, I give it a clear, 213 00:12:06,520 --> 00:12:10,680 Speaker 1: realistic deadline, and I allocate a specific season of the 214 00:12:10,760 --> 00:12:14,480 Speaker 1: year to work on it. So, for example, I might 215 00:12:14,520 --> 00:12:17,640 Speaker 1: focus on reducing the term of an investment loan that 216 00:12:17,679 --> 00:12:20,400 Speaker 1: I have, and this is actually one of my goals 217 00:12:20,480 --> 00:12:23,640 Speaker 1: is to put a lump sum towards this particular investment loan, 218 00:12:24,559 --> 00:12:27,199 Speaker 1: and it's not a huge amount, but it's an amount 219 00:12:27,240 --> 00:12:30,439 Speaker 1: will help mean that this investment loan is actually paid off. 220 00:12:31,000 --> 00:12:35,000 Speaker 1: Then my big picture goal deadline. Now, because it's just 221 00:12:35,080 --> 00:12:37,760 Speaker 1: one goal for me to focus on, it feels so 222 00:12:37,880 --> 00:12:40,840 Speaker 1: much more achievable. It's actually going to help create a 223 00:12:40,840 --> 00:12:42,600 Speaker 1: bit of an early win for me because it's one 224 00:12:42,600 --> 00:12:44,679 Speaker 1: of the easiest goals for me to sink my teeth in. 225 00:12:45,040 --> 00:12:47,199 Speaker 1: And it also means that the quicker I achieved that goal, 226 00:12:47,440 --> 00:12:50,400 Speaker 1: it's going to free up my cash flow faster, which 227 00:12:50,480 --> 00:12:52,680 Speaker 1: can then mean that that new money that's been freed 228 00:12:52,720 --> 00:12:56,439 Speaker 1: up can be channeled into the next biggest actually technically 229 00:12:56,480 --> 00:13:00,480 Speaker 1: the next smallest goal of mine. Now, whilst I'm just 230 00:13:00,559 --> 00:13:03,360 Speaker 1: sinking my teeth in one particular goal that I'm focusing 231 00:13:03,400 --> 00:13:06,760 Speaker 1: all of my energy on, the other goals are still 232 00:13:06,840 --> 00:13:09,960 Speaker 1: being achieved and worked on, but they're doing so in 233 00:13:10,000 --> 00:13:14,520 Speaker 1: a sort of quiet, dark horse background manner, and this 234 00:13:14,559 --> 00:13:18,280 Speaker 1: is quite often through automation. So, for example, whilst I'm 235 00:13:18,280 --> 00:13:22,160 Speaker 1: focusing on reducing the investment loan term, you know, I've 236 00:13:22,160 --> 00:13:26,079 Speaker 1: got salary sacrificing set up. I've got extra mortgage repayments 237 00:13:26,120 --> 00:13:29,040 Speaker 1: against my mortgage. I am reinvesting all of my dividends. 238 00:13:29,600 --> 00:13:32,400 Speaker 1: I've got within my budget a savings plan to help 239 00:13:32,440 --> 00:13:34,440 Speaker 1: make sure that our emergency money is at the level 240 00:13:34,440 --> 00:13:37,680 Speaker 1: where it should be, so that once that first goal 241 00:13:37,720 --> 00:13:40,120 Speaker 1: is done, those resources can then go on to the 242 00:13:40,160 --> 00:13:42,280 Speaker 1: next thing. I've got the cash flow, I've also got 243 00:13:42,320 --> 00:13:45,679 Speaker 1: the mental space, and I've also got the confidence that 244 00:13:45,760 --> 00:13:48,600 Speaker 1: I've just created for myself from achieving already the first 245 00:13:48,640 --> 00:13:51,040 Speaker 1: goal on my list of things to do, and it 246 00:13:51,120 --> 00:13:54,200 Speaker 1: creates like what I call the waterfall effect, where the 247 00:13:54,280 --> 00:13:59,000 Speaker 1: momentum is intentionally built, it's never forced. Because the thing 248 00:13:59,080 --> 00:14:02,360 Speaker 1: with forcing pro and particularly when it comes to your goals, 249 00:14:02,440 --> 00:14:05,120 Speaker 1: is this can sometimes or quite often lead to burnout. 250 00:14:05,160 --> 00:14:08,240 Speaker 1: And this is where I often see financial landslides happen 251 00:14:08,320 --> 00:14:10,360 Speaker 1: in my own personal life as well as others. When 252 00:14:10,360 --> 00:14:14,679 Speaker 1: they really being aggressive and almost like punishing themselves with 253 00:14:14,760 --> 00:14:17,280 Speaker 1: these particular goals. This is not what this is about. 254 00:14:17,320 --> 00:14:21,080 Speaker 1: It's about enjoying the journey and being really intentional and 255 00:14:21,240 --> 00:14:26,000 Speaker 1: understanding where your precious resources need to be focused, where 256 00:14:26,000 --> 00:14:28,280 Speaker 1: you need to harness them, and where you need to 257 00:14:28,440 --> 00:14:32,560 Speaker 1: actually prioritize the efficiency in your life. So as you 258 00:14:32,600 --> 00:14:34,480 Speaker 1: listen to this, what I recommend you do is you 259 00:14:34,520 --> 00:14:37,320 Speaker 1: look at your goals and you think about which one 260 00:14:37,480 --> 00:14:39,840 Speaker 1: of your goals you really want to focus all of 261 00:14:39,840 --> 00:14:42,240 Speaker 1: your energy or say, for example, eighty percent of your 262 00:14:42,320 --> 00:14:46,680 Speaker 1: energy into getting ticked off your list as quickly as possible, 263 00:14:46,800 --> 00:14:48,880 Speaker 1: and then the moment you've done that, make sure you 264 00:14:48,920 --> 00:14:52,480 Speaker 1: put those eighty percent resources into the next goal. Now, 265 00:14:52,480 --> 00:14:54,920 Speaker 1: on that quick note, I mentioned that I never have 266 00:14:55,000 --> 00:14:58,560 Speaker 1: more than five particular goals in my life. Now. As 267 00:14:58,600 --> 00:15:01,200 Speaker 1: tempting as it is, some times I love to add 268 00:15:01,200 --> 00:15:04,680 Speaker 1: a new goal in the year, I avoid this as 269 00:15:04,760 --> 00:15:07,240 Speaker 1: much as possible because I actually end up creating so 270 00:15:07,360 --> 00:15:10,800 Speaker 1: much extra work for myself that is unnecessary. I will 271 00:15:10,800 --> 00:15:14,920 Speaker 1: not allow myself to add any new goals until I've 272 00:15:14,960 --> 00:15:20,440 Speaker 1: worked through all five goals successfully. Yes, that is frustrating, 273 00:15:20,520 --> 00:15:22,960 Speaker 1: but I know that I will get distracted and I 274 00:15:23,000 --> 00:15:25,640 Speaker 1: will actually end up self destructing. I'm doing all of 275 00:15:25,640 --> 00:15:28,640 Speaker 1: my hard work, and it also forces me to know 276 00:15:28,720 --> 00:15:33,080 Speaker 1: that I cannot deviate from those goals, obviously allowing a 277 00:15:33,080 --> 00:15:35,960 Speaker 1: bit of creativity and pivoting when necessary, but it means 278 00:15:36,000 --> 00:15:40,200 Speaker 1: I'm completely sure and committed and dedicated to those goals 279 00:15:40,640 --> 00:15:43,440 Speaker 1: at the end of the year being December before I 280 00:15:43,600 --> 00:15:46,440 Speaker 1: actually get started. So it really does force me to 281 00:15:46,520 --> 00:15:50,720 Speaker 1: prioritize and understand what is important to me and work 282 00:15:50,840 --> 00:15:53,440 Speaker 1: through that list. If I want to add new ones, 283 00:15:53,560 --> 00:15:55,880 Speaker 1: it's very simple. I need to get these five goals 284 00:15:55,920 --> 00:16:00,720 Speaker 1: cleared before adding anything new. Step number five and that 285 00:16:00,880 --> 00:16:05,720 Speaker 1: is building financial breaths. Now, this is something I'm consciously 286 00:16:05,760 --> 00:16:10,280 Speaker 1: adding moving forward. Between finishing one goal and starting the next, 287 00:16:10,800 --> 00:16:14,040 Speaker 1: I want to have many financial breaths. These are really 288 00:16:14,080 --> 00:16:17,560 Speaker 1: short pauses that maybe go for a week, not for 289 00:16:17,600 --> 00:16:19,440 Speaker 1: an entire month. Well, sometimes even I just need a 290 00:16:19,440 --> 00:16:22,880 Speaker 1: couple of days. You know, nothing you have started, no 291 00:16:23,040 --> 00:16:25,240 Speaker 1: systems are allowed to run. It's a moment for me 292 00:16:25,360 --> 00:16:28,880 Speaker 1: to just catch my breath, to feel really good about myself, 293 00:16:28,920 --> 00:16:33,120 Speaker 1: feel proud, acknowledge the progress that I'm making in the background, 294 00:16:33,240 --> 00:16:38,120 Speaker 1: and allow my nervous system to just settle and recharge. 295 00:16:38,360 --> 00:16:40,040 Speaker 1: You could be look at it like a bit of 296 00:16:40,080 --> 00:16:42,960 Speaker 1: a financial detox. At the end of the day, we're 297 00:16:43,000 --> 00:16:47,360 Speaker 1: not machines and growth needs integration. So if you're looking 298 00:16:47,400 --> 00:16:50,160 Speaker 1: at your goals and you're finished one and you're about 299 00:16:50,200 --> 00:16:52,200 Speaker 1: to start a new one, you might want to ask yourself, 300 00:16:52,920 --> 00:16:55,840 Speaker 1: what does rest look like to me? What would I 301 00:16:56,040 --> 00:16:59,880 Speaker 1: personally need or would like to take in between goals 302 00:17:00,160 --> 00:17:03,560 Speaker 1: that I don't lose momentum at any point. Now, this 303 00:17:03,840 --> 00:17:06,760 Speaker 1: is really the secret as to how we build wealth 304 00:17:06,920 --> 00:17:11,440 Speaker 1: without exhaustion and burnout. And again it's a point where 305 00:17:11,440 --> 00:17:13,879 Speaker 1: you can just give yourself permission to spoil yourself. And 306 00:17:13,920 --> 00:17:17,000 Speaker 1: that might be something like, you know, taking yourself away 307 00:17:17,040 --> 00:17:20,240 Speaker 1: for a weekend, or perhaps going and getting a massage, 308 00:17:20,359 --> 00:17:22,800 Speaker 1: or perhaps doing something really nice where you honor yourself, 309 00:17:23,320 --> 00:17:25,840 Speaker 1: like buying a new book or taking a hot bath, 310 00:17:25,960 --> 00:17:28,199 Speaker 1: or perhaps doing something with a friend like going and 311 00:17:28,240 --> 00:17:30,399 Speaker 1: doing something special like a high tea where you get 312 00:17:30,480 --> 00:17:34,439 Speaker 1: dressed up and spend some time reconnecting. Know what you 313 00:17:34,600 --> 00:17:38,040 Speaker 1: need that helps fill your cup up in an efficient 314 00:17:38,400 --> 00:17:42,000 Speaker 1: and ideally a financially friendly way that doesn't undo all 315 00:17:42,040 --> 00:17:45,320 Speaker 1: of your amazing hard work and progress. Step number five, 316 00:17:46,080 --> 00:17:49,840 Speaker 1: I go deep, really deep with the Y and this 317 00:17:49,880 --> 00:17:53,520 Speaker 1: is probably a little bit spiritual. So for every single 318 00:17:53,680 --> 00:17:57,840 Speaker 1: goal that I have the five, I ask myself, why 319 00:17:57,880 --> 00:18:01,480 Speaker 1: does this matter to me? I mean really, why is 320 00:18:01,520 --> 00:18:04,800 Speaker 1: this important to me? How will this support my family? 321 00:18:05,280 --> 00:18:08,400 Speaker 1: What pressure is this going to remove my life by 322 00:18:08,520 --> 00:18:11,880 Speaker 1: achieving this goal? And who do I need to become 323 00:18:12,359 --> 00:18:16,879 Speaker 1: by achieving this particular goal? I will write down all 324 00:18:16,920 --> 00:18:20,360 Speaker 1: of the answers, and this is where my journal comes in. 325 00:18:20,400 --> 00:18:22,320 Speaker 1: You know, I write down everything that comes with me 326 00:18:22,359 --> 00:18:24,359 Speaker 1: and I take my time in doing this and seeing 327 00:18:24,400 --> 00:18:27,720 Speaker 1: what flows as the pen hits the paper. You know, 328 00:18:27,800 --> 00:18:30,560 Speaker 1: this last question I have to say is really powerful. 329 00:18:30,720 --> 00:18:33,440 Speaker 1: Who do I need to become to achieve this particular goal? 330 00:18:33,840 --> 00:18:37,920 Speaker 1: Because goals aren't just about the outcomes. They're about the identity. 331 00:18:38,359 --> 00:18:42,320 Speaker 1: They're about the growth. They're about the investment or the 332 00:18:42,359 --> 00:18:47,200 Speaker 1: reinvestment or the reinvigoration of yourself. And as I journal 333 00:18:47,240 --> 00:18:50,359 Speaker 1: these answers, I revisit them on a regular basis, and 334 00:18:50,400 --> 00:18:54,119 Speaker 1: I do this every morning, Yes, every morning, at five am, 335 00:18:54,440 --> 00:18:57,879 Speaker 1: I read my goals and I read my reasons, my 336 00:18:58,000 --> 00:19:01,919 Speaker 1: big why and not what pressure on myself, but actually 337 00:19:01,920 --> 00:19:04,320 Speaker 1: to help ground me and to help give me a 338 00:19:04,320 --> 00:19:09,720 Speaker 1: really strong sense of intentionality and dedication. And it's something 339 00:19:09,720 --> 00:19:12,879 Speaker 1: that I find a really beautiful sacred ritual in the 340 00:19:12,920 --> 00:19:15,960 Speaker 1: early hours of the morning, and it does help create 341 00:19:16,000 --> 00:19:20,240 Speaker 1: a very strong bond and emotional connection with my goals 342 00:19:20,600 --> 00:19:24,520 Speaker 1: that actually helps serve me and carry me, particularly when 343 00:19:24,520 --> 00:19:26,719 Speaker 1: the times get tough and there are setbacks and there 344 00:19:26,720 --> 00:19:30,480 Speaker 1: are challenges, and that I may even be looking straight 345 00:19:30,480 --> 00:19:32,160 Speaker 1: in the eye of a bit of a failure coming 346 00:19:32,200 --> 00:19:35,480 Speaker 1: my way. But it is a hugely powerful technique and 347 00:19:35,480 --> 00:19:38,600 Speaker 1: strategy that I use with my own goals as I 348 00:19:38,680 --> 00:19:42,679 Speaker 1: work through the year ahead step number six, and that 349 00:19:42,840 --> 00:19:45,800 Speaker 1: is my goals are fixed. As I mentioned, I'm not 350 00:19:45,800 --> 00:19:48,639 Speaker 1: allowed to add new ones until the five are completed. 351 00:19:49,040 --> 00:19:52,920 Speaker 1: But at the same time, I am completely open when 352 00:19:53,000 --> 00:19:57,000 Speaker 1: necessary to pivoting. So this is something I really want 353 00:19:57,040 --> 00:20:01,560 Speaker 1: to normalize, and that is changing the how without ever 354 00:20:01,960 --> 00:20:05,760 Speaker 1: abandoning the why. A perfect example of this was when 355 00:20:05,800 --> 00:20:08,560 Speaker 1: we plan on renovating our kitchen, which is something I 356 00:20:08,600 --> 00:20:10,560 Speaker 1: really wanted to do because I hate our kitchen. It 357 00:20:10,680 --> 00:20:14,200 Speaker 1: is falling apart, nothing works. It's actually I feel a 358 00:20:14,200 --> 00:20:17,000 Speaker 1: little bit embarrassed ab our kitchen, and we ended up 359 00:20:17,040 --> 00:20:20,800 Speaker 1: pivoting and shifting all of our energy on actually getting 360 00:20:21,280 --> 00:20:27,159 Speaker 1: construction certificate and DA for our swimming pool. Now, the goal, really, 361 00:20:27,200 --> 00:20:30,880 Speaker 1: the big why wasn't actually about a kitchen. The goal 362 00:20:30,920 --> 00:20:35,040 Speaker 1: was actually about creating a space for family connection, for lifestyle, 363 00:20:35,560 --> 00:20:39,240 Speaker 1: creating a space where we could have fun and wholesome 364 00:20:39,320 --> 00:20:43,480 Speaker 1: fun and also improve our overall health and well being. Yes, 365 00:20:43,600 --> 00:20:46,520 Speaker 1: a kitchen does represent that, but guess what a pool 366 00:20:46,560 --> 00:20:49,199 Speaker 1: does as well. My kids are learning how to swim, 367 00:20:49,240 --> 00:20:51,840 Speaker 1: They're going to have fantastic childhood memories, are playing with 368 00:20:51,960 --> 00:20:54,840 Speaker 1: noodles and pool ponies, And we're going to have wonderful 369 00:20:54,840 --> 00:20:58,160 Speaker 1: memories and connections of having friends come over for barbecues 370 00:20:58,240 --> 00:21:02,639 Speaker 1: as we sit outside beautiful home cooked meals and you 371 00:21:02,680 --> 00:21:06,199 Speaker 1: may be perhaps drinking wine and champagne together. And you know, 372 00:21:06,240 --> 00:21:08,359 Speaker 1: we're also going to look at putting in a sauna 373 00:21:08,480 --> 00:21:10,879 Speaker 1: and an ice bath, which is going to improve our 374 00:21:10,920 --> 00:21:13,520 Speaker 1: own health and fitness, particularly for Tom, as his job 375 00:21:13,560 --> 00:21:16,879 Speaker 1: as an equan physio is so physically demanding, you know, 376 00:21:17,080 --> 00:21:19,840 Speaker 1: investing in our health and well being is even more important. 377 00:21:19,920 --> 00:21:22,399 Speaker 1: So yes, this was a pivot, and in fact I 378 00:21:22,440 --> 00:21:24,520 Speaker 1: actually see it as a pivot towards something that actually 379 00:21:24,560 --> 00:21:27,920 Speaker 1: is better for all of our family members and will 380 00:21:27,920 --> 00:21:31,320 Speaker 1: actually serve us well into the long run. So please 381 00:21:31,359 --> 00:21:33,520 Speaker 1: know this if you need to pivot with your goals. 382 00:21:33,760 --> 00:21:37,560 Speaker 1: Flexibility is not actually failure. It's I think, highly intelligent 383 00:21:37,720 --> 00:21:40,000 Speaker 1: and it allows you to see a sense of self 384 00:21:40,040 --> 00:21:45,320 Speaker 1: trust within yourself. And then step number seven and this 385 00:21:45,359 --> 00:21:50,119 Speaker 1: is all about manifestation, visualization and ease. Now, before I 386 00:21:50,160 --> 00:21:52,359 Speaker 1: explain this step, I just want to quickly remind everyone 387 00:21:52,440 --> 00:21:57,520 Speaker 1: I actually offer a Sugar Mama money mindset and manifestation program. 388 00:21:57,640 --> 00:22:00,760 Speaker 1: This is where I do a really intense, hence one 389 00:22:00,800 --> 00:22:05,359 Speaker 1: on one course with you around how to manifest money 390 00:22:05,359 --> 00:22:08,639 Speaker 1: and how to really build that money mindset within. So 391 00:22:08,720 --> 00:22:11,600 Speaker 1: I won't explain the details of this in today's episode 392 00:22:11,600 --> 00:22:14,000 Speaker 1: because it's a start here one, but please know if 393 00:22:14,000 --> 00:22:16,000 Speaker 1: you're ever curious and you want to work with me 394 00:22:16,080 --> 00:22:20,840 Speaker 1: on an intense basis around your mindset around manifesting financial 395 00:22:20,840 --> 00:22:23,760 Speaker 1: abundance and harmony in your life, there is the opportunity 396 00:22:23,800 --> 00:22:25,560 Speaker 1: should you wish to actually work with me, So I'll 397 00:22:25,600 --> 00:22:28,399 Speaker 1: pop the link in the podcast notes for you. But 398 00:22:28,800 --> 00:22:32,159 Speaker 1: coming back to step seven, I do a lot of 399 00:22:32,200 --> 00:22:35,399 Speaker 1: work around manifestation but it's very much done in a 400 00:22:35,520 --> 00:22:40,439 Speaker 1: grounded way. I love to visualize getting started on that 401 00:22:40,440 --> 00:22:44,159 Speaker 1: particular goal. I love to visualize working through all the 402 00:22:44,280 --> 00:22:47,520 Speaker 1: challenges and the setbacks, and even those times where I 403 00:22:47,800 --> 00:22:51,920 Speaker 1: know my motivations may even flatline, I'll visualize myself working 404 00:22:51,960 --> 00:22:56,480 Speaker 1: through that, overriding that, rising above that. Even I'll visualize 405 00:22:56,480 --> 00:23:01,200 Speaker 1: myself completing that goal successfully. I will visualiz myself really 406 00:23:01,320 --> 00:23:05,199 Speaker 1: enjoying the results. So I do visualization around watching my 407 00:23:05,359 --> 00:23:09,040 Speaker 1: kids jumping in the pool with a pool pony. I visualize, 408 00:23:09,200 --> 00:23:11,879 Speaker 1: you know, a beautiful table setting outside in my backyard 409 00:23:11,880 --> 00:23:15,280 Speaker 1: with all the beautiful succulents and the sounds of the birds, 410 00:23:15,480 --> 00:23:19,000 Speaker 1: and you know the wind blowing the trees and leaves, 411 00:23:19,240 --> 00:23:21,679 Speaker 1: and you know the sound of the clicking of the 412 00:23:21,720 --> 00:23:25,439 Speaker 1: pool gate and the sound of the bubbles in the spa. 413 00:23:25,640 --> 00:23:28,280 Speaker 1: I do so much visualization around this, and I can't 414 00:23:28,280 --> 00:23:30,320 Speaker 1: wait this year to be able to share with you 415 00:23:30,400 --> 00:23:33,160 Speaker 1: the images of our pool and backyard coming to life 416 00:23:33,240 --> 00:23:38,639 Speaker 1: and seeing this exact visualization become a reality, which is exciting. Importantly, 417 00:23:38,720 --> 00:23:42,800 Speaker 1: I visualize achieving these goals with ease, not with burnout. 418 00:23:42,840 --> 00:23:44,360 Speaker 1: This is something I learned a couple of years ago 419 00:23:44,400 --> 00:23:48,080 Speaker 1: because I was visualizing myself achieving these goals literally passing 420 00:23:48,080 --> 00:23:51,320 Speaker 1: out at the finish line. But they had a huge 421 00:23:51,359 --> 00:23:53,320 Speaker 1: wake up call and I realized, why am I I'm 422 00:23:53,320 --> 00:23:58,200 Speaker 1: almost manifesting burnout. So I've been manifesting myself and doing 423 00:23:58,280 --> 00:24:03,680 Speaker 1: huge visualization work about getting to my goal like completion line, 424 00:24:04,160 --> 00:24:07,760 Speaker 1: with still some energy, some fuel in the bank to 425 00:24:07,840 --> 00:24:11,119 Speaker 1: actually do even more. And this has really again helped 426 00:24:11,440 --> 00:24:16,040 Speaker 1: my endurance with my goals. I want success that feels calm, 427 00:24:16,600 --> 00:24:20,240 Speaker 1: not costly, particularly to my mental health and energy levels. 428 00:24:20,920 --> 00:24:23,439 Speaker 1: And another great thing that I do around manifestation is 429 00:24:23,480 --> 00:24:26,880 Speaker 1: I build a vision board each year and I keep 430 00:24:26,880 --> 00:24:29,959 Speaker 1: it as my phone or as a screen saver, and 431 00:24:30,000 --> 00:24:33,680 Speaker 1: also on my desktop at home, my home computer. And 432 00:24:33,760 --> 00:24:37,440 Speaker 1: it's a beautiful, gentle reminder of where I'm headed and 433 00:24:37,640 --> 00:24:39,800 Speaker 1: the decisions that I need to make every single day 434 00:24:39,840 --> 00:24:42,440 Speaker 1: that need to be in alignment with that big picture, 435 00:24:42,600 --> 00:24:46,440 Speaker 1: my big vision, my big exciting game plan. And this 436 00:24:46,520 --> 00:24:51,480 Speaker 1: is not magical thinking. It's actually subconscious alignment with intentional action, 437 00:24:51,760 --> 00:24:55,000 Speaker 1: and it's something I really respect and really grateful for 438 00:24:55,480 --> 00:24:58,199 Speaker 1: and cannot recommend enough. So let me know if you 439 00:24:58,280 --> 00:25:01,040 Speaker 1: ever want to work with me, I'm doing an intense 440 00:25:01,119 --> 00:25:06,000 Speaker 1: manifestation course around finance and financial abundance. All right, and 441 00:25:06,119 --> 00:25:11,200 Speaker 1: finally step eight, my goals are real. They're not comfortable. 442 00:25:11,760 --> 00:25:15,440 Speaker 1: So when I look at my goals, they are definitely achievable, 443 00:25:15,520 --> 00:25:18,040 Speaker 1: but not to the point where they're cozy or I 444 00:25:18,080 --> 00:25:21,320 Speaker 1: can get away with being lazy. I hate laziness. It's 445 00:25:21,359 --> 00:25:24,400 Speaker 1: a huge turn off for me. My personal growth involves 446 00:25:24,440 --> 00:25:28,280 Speaker 1: me stretching. If I'm not stretching, I'm not growing. I'm 447 00:25:28,280 --> 00:25:31,320 Speaker 1: not getting any stronger mentally and physically. You know, It's 448 00:25:31,440 --> 00:25:33,840 Speaker 1: just like strength training at the gym. If I'm not 449 00:25:34,000 --> 00:25:38,400 Speaker 1: lifting heavier weights or doing more reps, I'm not actually 450 00:25:38,600 --> 00:25:42,000 Speaker 1: serving myself and serving my goals. So I will stop 451 00:25:42,000 --> 00:25:45,720 Speaker 1: and ask myself this, where will my energy go this year? 452 00:25:46,240 --> 00:25:48,880 Speaker 1: Where do I need to focus, Where do I need 453 00:25:48,920 --> 00:25:51,760 Speaker 1: to stop and take rest? And when is that rest? 454 00:25:52,280 --> 00:25:55,360 Speaker 1: And what's actually going to leave me standing proud when 455 00:25:55,400 --> 00:25:59,000 Speaker 1: I look back on the year that we've just experienced. 456 00:25:59,200 --> 00:26:01,160 Speaker 1: When we get to the end of twenty twenty six, 457 00:26:01,400 --> 00:26:02,960 Speaker 1: what am I going to look back and think, Gosh, 458 00:26:02,960 --> 00:26:05,960 Speaker 1: I'm so proud of myself. I managed to get this done, 459 00:26:06,040 --> 00:26:09,479 Speaker 1: that done, and that done. And yes, there are going 460 00:26:09,520 --> 00:26:11,280 Speaker 1: to be points of some of these goals where I 461 00:26:11,280 --> 00:26:14,560 Speaker 1: don't complete them successfully. Some might be in a seventy percent, 462 00:26:14,680 --> 00:26:16,760 Speaker 1: some might be fifty percent, some might actually be one 463 00:26:16,840 --> 00:26:18,800 Speaker 1: hundred percent. But I want to make sure that I 464 00:26:18,800 --> 00:26:22,560 Speaker 1: feel really proud that I've done the best job possible 465 00:26:22,720 --> 00:26:26,240 Speaker 1: as I put my hand on my heart. These turns 466 00:26:26,440 --> 00:26:30,960 Speaker 1: with goals about designing a year and a beautiful year, 467 00:26:31,320 --> 00:26:34,840 Speaker 1: not a chaotic year, a year that I'm really proud of. 468 00:26:35,720 --> 00:26:39,560 Speaker 1: So for anyone that is looking at doing some financial 469 00:26:39,600 --> 00:26:42,639 Speaker 1: goals this year, but you've never done this before, please 470 00:26:42,720 --> 00:26:44,800 Speaker 1: know you are not alone, and there's nothing wrong with 471 00:26:44,880 --> 00:26:47,639 Speaker 1: never setting financial goals. You've just never been taught how 472 00:26:47,680 --> 00:26:49,200 Speaker 1: to do them and how to do them in a 473 00:26:49,280 --> 00:26:54,040 Speaker 1: right way that really resonates deep within. For your start 474 00:26:54,119 --> 00:26:58,720 Speaker 1: here for your own financial goals, follow this simple advice. 475 00:26:59,200 --> 00:27:03,879 Speaker 1: Write down your goals in detail, give them deadlines, Write 476 00:27:03,920 --> 00:27:09,160 Speaker 1: down your true why behind these goals. Anchor these goals 477 00:27:09,320 --> 00:27:12,920 Speaker 1: to give them a really big vision, a really big 478 00:27:13,000 --> 00:27:16,640 Speaker 1: vision that is in alignment to your big picture where 479 00:27:16,640 --> 00:27:18,840 Speaker 1: you want to see yourself in the next twenty thirty, 480 00:27:18,960 --> 00:27:22,199 Speaker 1: forty fifty years. Look at the year ahead of you 481 00:27:22,400 --> 00:27:24,760 Speaker 1: and look at the different seasons and look at where 482 00:27:24,840 --> 00:27:29,440 Speaker 1: you want to focus and prioritize certain goals throughout the year, 483 00:27:29,800 --> 00:27:33,080 Speaker 1: but of course making sure you give yourself mini breathers 484 00:27:33,520 --> 00:27:36,720 Speaker 1: in between getting finishing one particular goal and of course 485 00:27:36,840 --> 00:27:40,520 Speaker 1: getting started on the next, so that you avoid burnout, 486 00:27:41,080 --> 00:27:45,359 Speaker 1: and of course allow both discipline and the beautiful softness 487 00:27:45,720 --> 00:27:48,879 Speaker 1: to help you see the success and the progress in 488 00:27:48,920 --> 00:27:52,919 Speaker 1: your life. Financial goals aren't just about money. They're about 489 00:27:52,960 --> 00:27:56,960 Speaker 1: becoming someone who feels calm, someone who feels in control, 490 00:27:57,200 --> 00:28:01,639 Speaker 1: and someone who feels powerfully capable. And that journey for 491 00:28:01,720 --> 00:28:06,200 Speaker 1: you all starts with clarity. So set aside a couple 492 00:28:06,240 --> 00:28:09,600 Speaker 1: of hours just for you to sit down and think 493 00:28:09,600 --> 00:28:13,000 Speaker 1: about what is important for you for twenty twenty six, 494 00:28:13,480 --> 00:28:16,040 Speaker 1: what's going to leave you feeling proud, what's going to 495 00:28:16,040 --> 00:28:19,120 Speaker 1: help make you feel so much more excited about the future, 496 00:28:19,520 --> 00:28:23,159 Speaker 1: and what's going to help eliminate any financial stress or worries, 497 00:28:23,400 --> 00:28:27,080 Speaker 1: and then you can start building your five financial goals 498 00:28:27,119 --> 00:28:30,080 Speaker 1: around this. All right, everyone, thank you so much for 499 00:28:30,119 --> 00:28:32,320 Speaker 1: listening to start here. If you ever want to stand 500 00:28:32,359 --> 00:28:34,560 Speaker 1: in your question for a start here episode, I put 501 00:28:34,640 --> 00:28:39,200 Speaker 1: my personal email address in the podcast notes below, as 502 00:28:39,240 --> 00:28:44,200 Speaker 1: well as the Sugar Mama Money Manifestation program. Al Right, everyone, 503 00:28:44,720 --> 00:29:27,280 Speaker 1: enjoy your weekend chow for now.