Dan Brooks · wbrooks@xexiswealth.com
Planting Fresh Habits this Spring
On a daily basis, how much time do you spend managing your money?
If you're like most of us––probably less than 2 minutes, or no time at all.1
It's understandable.
You're busy, distracted.
Or, maybe there's some intentional avoidance due to feelings of overwhelm and anxiety.1
When trying to navigate retirement, budgeting, or debt management, it's natural for analysis paralysis to flare.2
"I'll do it next weekend," starts to play on loop.
Though sweeping money matters under the proverbial rug may feel like the safest option, there are better (even painless) strategies that could help you experience both short-and long-term abundance.
It starts with a few simple steps.
And, from there, you just might watch your successes grow.
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4 Steps to Nurture Your Potential for Financial Growth
#1: Create a strong foundation.
Always assess your "soil." If your finances aren't rooted in solid ground, growth could be stunted from the start. And any "seeds" you try to plant (such as savings) may never sprout into the healthy and sustainable resources you want.
Check in:
- What is my monthly spend?
- Don't forget about your "set-it-and-forget-it" items, like automated payments, subscriptions, and deposits.
- What am I investing in my retirement and savings accounts? Exact numbers and dates can help––be specific.
- What type of insurance coverage and other financial safety nets do I have (and need) right now?
#2: Remember what inspires you.
Re-energize your "wilted" goals by allowing yourself a moment to reflect on your values. Do you dream about living in a certain house or city? What makes you happy? (Or what could make you happy?) Reviving your vision can encourage more informed money moves today and tomorrow.
Check in:
- Are my current financial strategies and habits aligned with my vision?
- What is my financial trajectory? Do I notice any patterns or seasonal ups and downs?
- Whether it's positive or negative, explore why (i.e. money is tight, but I haven't asked for a raise).
- What's my success plan for: next month, 1 year, 5 years, 10 years?
#3: Learn new skills.
As individuals, we are constantly evolving––as is the economy, technology, and the ways we build wealth. Boosting your financial knowledge can give you the confidence and energy to expand your perspective and try novel strategies. It's time to continue your personal development and shake off financial fatigue by planting fresh seeds.
Check in:
- Listen to podcasts? There are endless financial options, whether you enjoy market updates, tips and trade secrets, even humor and "what NOT to do" stories.
- How about financial webinars? There are several to choose from and many of them are free.
- Ask a financial professional for recommendations for both of these!
#4: Maintain your momentum.
Your finances are like any garden––you can sow the right seeds, but without the consistent care of rain and sun, your green may wither or droop. The great news is, once you have a well-informed strategy that is planted and in place, it's much easier to regularly tend to your goals.
Check in:
- Have I asked my advisor to arrange a monthly chat?
- Do I have a set schedule for monitoring my portfolio or financial tasks?
- What healthy financial habits can I start now to help prevent stagnancy?
"It's a lot harder to see our finances blossom when we're not taking care of them every day."
FINANCIAL LESSON:
Don't Let Abundance be Out of Reach
Whether you found those steps new and surprising or they're part of your routine, it's clear that our financial vision may not flourish without daily care.
If we don't pull the weeds of uncertainty and inaction, we feel less control over our wallets and our lives.3
But with the right guidance to inspire, and some decisive proactivity, it could be possible to strengthen your money roots to watch them thrive.
And you never have to wait for Spring.
Sincerely,
Dan Brooks
wbrooks@xexiswealth.com
P.S. Sign up for my emails. My subscribers receive ideal insights.
Dan Brooks
wbrooks@xexiswealth.com
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Dan Brooks
wbrooks@xexiswealth.com
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Content prepared by Snappy Kraken.
The information published herein is provided for informational purposes only, and does not constitute an offer, solicitation or recommendation to sell or an offer to buy securities, investment products or investment advisory services. Nothing contained herein constitutes financial, legal, tax, or other advice. These opinions may not fit your financial status, risk and return profile or preferences. Investment recommendations may change, and readers are urged to check with their investment adviser before making any investment decisions. Estimates of future performance are based on assumptions that may not be realized. Past performance is not necessarily indicative of future returns or results. No representation is made as to the accuracy, completeness or timeliness of the information in this material since certain information herein is based on or derived from information provided by independent third-party sources. There is no duty to update this information.
Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Xexis Private Wealth, LLC are independent of each other.
For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.
All investments are subject to risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values.
This guide is provided for informational purposes only; it is not designed as advice for an individual's personal situation. The information contained in this material is believed to be reliable, but accuracy and completeness cannot be guaranteed; it is not intended to be used as the sole basis for financial decisions. Our firm does not provide, and no statement contained in the guide shall constitute, tax or legal advice. All individuals are encouraged to seek the guidance of a qualified professional regarding their personal situation.
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Dan Brooks
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