If you don’t know where you’re going, how will you know how to get there?
As another year begins, many people quietly think the same thing:
“I really need to get my financial affairs in order… but I still haven’t.”
And that raises an important question:
If you don’t know where you’re going, how are you supposed to know how to get there?
Having clarity around your money, a clear plan, and confidence that you’re on the right track sounds like something everyone would want. So why is it so common for people to delay doing anything about it?
Why We Put This Off
Time and time again, I meet people later in life who say,
“I wish I’d done this sooner. I should have done this 10 or 20 years ago.”
What’s fascinating is that this hesitation isn’t about intelligence or capability.
It’s rarely about not caring.
It usually comes down to two things.
1. Not Having a Clear “Why”
Your “why” is what keeps you moving forward.
It’s the reason you take action instead of staying stuck.
When your why isn’t clear, it’s easy to put things off. There’s no emotional pull strong enough to overcome inertia.
2. Unconscious Beliefs About Money
Many of us are running internal programs we didn’t consciously choose.
Beliefs like:
Money doesn’t grow on trees
You have to work really hard for money
People like me don’t get ahead
These patterns often formed early in life and quietly shape our financial behaviour. They can create invisible ceilings on what we believe is possible.
The good news?
Anything you’re aware of can be changed.
What Clarity Really Brings
For many people, the financial planning process starts with awareness - and yes, that can feel uncomfortable at first. The unknown always does.
But once you move through that stage, something powerful happens.
You gain:
Clarity about where you are
Confidence in what you’re doing
Control over your decisions
A clear understanding of why you’re taking certain steps
And a sense of calm about where you’re heading
There’s a deep relief that comes from knowing, “I’ve got this sorted.”
The Power of Integration
One of the most important ideas I’m holding onto right now is integration.
Knowledge alone doesn’t create change.
Awareness alone doesn’t move you forward.
Change happens when you integrate what you know into action.
So ask yourself:
What have I been thinking about for a while, but not acting on?
What change do I know I need to make?
What’s been holding me back from taking the next step?
Awareness is the first step - but integration is where momentum begins.
Moving Forward
You don’t need to have everything figured out.
You just need to take the next aligned step.
Clarity, confidence, and financial freedom don’t come from waiting.
They come from choosing to move forward - even when it feels uncomfortable.
If this resonates, take it as your sign to take one small step of progress in the right direction. If you don't know what that should be - ask for help. That one small step will create momentum, and momentum flows. But you've got to do something.
Let's make 2026 the year of Integration.
Go you.