Hi there! First of all, I’d like to acknowledge that it’s been a while since I’ve posted here! I’ve been working really hard on some exciting new projects that I can’t wait to tell you all about soon – so I promise my absence will have been worth your while.
I read a great article the other day on the idea of doing “any amount” of something. To sum up the story, a yoga instructor asked students to straighten their leg any amount – not “as straight as you can” or “at least an inch” or anything – just any amount of straightening was sufficient. It immediately relieved the pressure of whether or not they were doing the pose well enough. Whatever they could do in that moment was enough!
I loved the message in general and I think it’s also directly applicable to our finances. Lately I’ve been working with people specifically on understanding their approach regarding retirement planning. This is something that’s extremely relevant to people of all ages. You can’t start too early! And if you’re like “uh, don’t worry, I didn’t start too early…I haven’t started at all!” you can still take a number of meaningful actions today to set yourself up for a great future, no matter where you’re at today. In fact, just yesterday I was working with a client in her 50s who was distraught about her retirement savings. I guided her through some tools she can use to chart her course as she approaches retirement, and witnessed her transform from overwhelmed and upset to informed and empowered with a clear path to retiring with the lifestyle she wants. This is what I want for everyone – to be informed and empowered about every aspect of money.
What I often see is that people have anxiety about not understanding their options when it comes to investing, so they just don’t do anything. Or they leave it all to someone else who potentially doesn’t know what they’re doing or doesn’t have their best interest in mind. That’s where I think this idea of any amount comes into play. Today, I am all about enjoying my life now and planning for a spectacular future. When I first started out in the workforce, however, it was a lot more difficult to consistently save money for retirement. Many of my peers at that time opted out of 401K contributions for years because they felt like they couldn’t afford to max it out. So they didn’t do anything. If they had considered at the time that any amount would be a good enough start, they would have built up an incredible nest egg with minimal lifestyle disruption. As someone who did put money aside consistently even when it was difficult, I can assure you it is well worth your while, regardless of when you start. It may seem intimidating at first, but consider what amount you could start investing today, and commit to giving your future self that gift.
Remember, any amount for now is enough. Once you’ve built momentum, let’s talk about ways you can optimize! You can always reach out to me through this site or directly at firstname.lastname@example.org.
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