Be Wealthy Financial Coaching

Letting go and slowing spending has been on my mind lately.

We got back from a trip to Finland a few weeks ago, and like most travel, it shifted my perspective. There was an ease in living out of a suitcase for two weeks. Less stuff, less decision-making, less to manage. Visiting family, I also noticed how little they own, especially when it comes to CLOTHING.

Turning 50 added another layer. I see this often with clients in my financial planning work.

Milestone birthdays bring finances into focus.

Are we on track?
Could we be doing things differently?

For me, it’s not just finances right now. It’s the physical side too.

What is enough?

Why am I moving the same things around?

What do I want life to feel like as my kids get older?

I keep coming back to wanting more time, especially these last handful of summers before they’re grown.

So I’ve been focused on decluttering. I’ve been at it for a few years, but recently decided to move through it faster.

The hardest part hasn’t been letting go, it’s been the $$$$$$ attached to things. Looking at items I spent good money on and choosing to move on anyway.

But I’m starting to see it differently.

I’m not losing money. I’m buying space and giving future me more time. Less to manage. Less to think about.

I’m also taking a pause on bringing more in. It’s so easy to pick up your phone and buy something without thinking twice.

This is where it connects to my work.

Using your money well is a skill. Practicing delayed gratification, planning ahead, pausing before you spend. What do you want your money to do over time?

No one is perfect with money, we all make mistakes. It’s finding a better balance between enjoying today and taking care of your future.

Questions I keep coming back to:

Do I really need this… or just want it right now?

Will I still use and enjoy this a year from now?

Will this make life easier or give me something else to manage?

If I buy this, what else am I saying no to?

Would I rather have this… or another trip?

Just because you can afford something doesn’t mean it fits your life.

Money isn’t just math.
It’s time, energy, and how you want your days to feel.

THE FACT IS – the financial landscape is more complicated than ever! With information overload, endless noise, and so many decisions to make, it’s easy to feel stuck and overwhelmed.

Add to this changing regulations, and unpredictable markets…..it can sometimes feel like you’re not making progress or are missing something important.

But here’s the GOOD NEWS: You don’t have to control everything!

By focusing on what you can control, you can take confident steps toward financial success.

What’s in Your Control:

✅ Your Spending Habits: You decide where your money goes. Understanding your spending helps you make intentional choices about what truly matters to you and align your spending with those values.

✅ Saving & Investing: Pay yourself first. Prioritize saving and investing for the future before spending on anything else. By investing wisely, you’re using the power of compounding to build wealth over time.

✅ Financial Goals & Priorities: Setting a goal gives you a direction to head towards. You shift from reactive (feels bad) to proactive (feels good) money planning.

✅ Debt Management: You can develop strategies to reduce and pay debt faster.

✅ Financial Education: You can’t learn all things finance in a day or from a single book. It’s a journey. Stay curious and keep learning.

What’s Beyond Your Control:

❌ Stock Market: The market will rise and fall. A solid investment strategy helps you manage through volatility.

❌ Interest Rates: They’re set by central banks.

❌ Tax Changes: Tax laws can shift, but knowing how they impact you helps you plan better. My financial planning software is fantastic for showing how tax changes affect your decisions.

❌ Economic Cycles: The economy goes through its cycles, it’s normal. A well-funded safety net helps you navigate economic dips and uncertainties.

By focusing on what you can control, you’ll reduce stress and feel empowered to make smarter, more confident financial decisions.

If you’re curious about how I help as an advice-only financial planner & money coach, send me a DM!