Feeling stuck with money? Start here.

Over the past year, one thing has come up again and again in conversations I’ve been having: uncertainty.

So many people are feeling stuck. Unsure about what to do next - especially when it comes to money.

And honestly, that makes complete sense.

New Zealand has been in a tough financial spot for a while now, and people are really feeling the pressure. There are so many options, so much noise, and yet no clear sense of what the right move actually is.

Pay off debt?
Invest?
Save?
Do nothing?

When there are too many choices, it’s easy to get caught in that space of paralysis by analysis — afraid of making the wrong decision, so you end up making none at all.

When I talk with people about this, I often suggest flipping the question around.

Instead of asking:

“What should I do with my money right now?”

I ask:

“What do I actually want my future to look like?”

We rarely give ourselves the space to step back and reflect. To really ask:

Am I happy with where my life is heading?
Is this the future I want for myself?

If money wasn’t a constraint… what would my world look like?

Where would I be living?
What would I be doing with my time?
Who would I be spending it with?

Because when you start there, when you get clear on what truly matters to you, everything else begins to fall into place.

Once you know your end goal, the decisions along the way become much simpler.

Every choice can be filtered through one question:

Is this going to move me closer to the life I want?

Is it getting me there more safely, more confidently, and more intentionally?

Clarity creates confidence.
And confidence makes even the hardest decisions feel a little lighter.

So if you’re feeling unsure right now, that’s okay.

Start with the end in mind, and let that guide your next step.