for three years straight I ended each year exactly where I started stuck I dive into the year with big goals trying to juggle Fitness career growth better relationships and keeping my sanity but within weeks I'd either lose focus or give up all together then I realized that there was a piece of the puzzle that I was messing money I never thought about using money to fuel my goals but once I did everything changed not only did I achieve my goals but I also reach them faster and with less stress and so in this video I'm
going to walk you through the exact process I Ed to achieve all of my goals last year broken into three simple steps the priority check the money architecture and finally the follow through let's get started with the priority check this is split between two parts first we're going to pick one area of your life that you want to work on this year and then we'll get super clear on how you're going to make that part of your life better so grab your phone open your note section or your note taking app and write down right
here right now what is the one area that you want to work on this year choose from one of the following health self and spirituality relationships number four work and money so just pick one area and write it down I want to emphasize just one when I did this two years ago I tried tackling Everything at Once getting fit starting to meditate starting a side business the works and all of that lasted all of two weeks so start with just one and you can always add another layer As you move through the year now before
we can apply money to this we need to take our chosen area and make it into something concrete this will later help us assign a dollar value to it so instead of just a vague idea we're going to create a clear road map with specific actions that moves you closer to success think of it as mapping out your path to the destination where each Milestone represents a tangible step forward so what does that mean in practice if you choose Health Envision what success means for you for example is it signing up for and attending three
workout classes each week yoga spinning strength training is it scheduling that overdue doctor's appointment to finally address your persistent back pain and keep up with the monthly phys sessions if you picked self and spirituality what's your version of growth maybe it's creating a habit of starting each day with a 10-minute guided meditation using an app like calm or headspace maybe it's signing up for that online course on confidence building or mindfulness that you've been considering for months if relationships is your focus identify what Improvement would look like is it scheduling monthly visits and friend visits
is it booking a consultation to start Coupes therapy or even reading a relationship book together as your very first step if you chose work clarify what progress means is it creating a 3-month action plan to launch your side business starting with the most simple step of Designing logo or researching your audience is it researching career switch options and setting up one informational interview per week with people in your target industry be super specific and actionable so clear that you can track your progress and celebrate that Milestone along the way step two now is the money
architecture now you've got your specific actionable step written down towards your goal it's time to take a step that most people never even think about and that is making your money work for this goal in fact I've never seen goal setting approach from this angle before but optimizing your finances around your goal will really fuel your transformation so how does this work step one calculate your net income write down your monthly net income that's the money that hits your bank account after taxes and from that take away all of your monthly must pays the bills
and costs that you cannot avoid so this includes your housing rent or mortgage utilities basic groceries any minimum debt payments and any other unavoidable essential bills then once you've got that number step two is allocate a portion of what's left for your goal so out of what's left there after covering your essential expenses decide on a portion that you want to dedicate to your goal remember this is not about neglecting your other key priorities like building an emergency fund contributing to retirement or paying off high interest rate there your transformation fund Works alongside those priorities
even if you can only spare $50 a month right now for this goal that's okay what matters is your intentionally allocating money towards the life that you want to design while keeping your financial foundation in check and step three put your money to work how do you do this create a completely separate account from your regular spending and name it after your goal so put the year any the given year first and then write health fund a given year relationship fund and set up an automatic transfer into this fund this creates a system where your
goal gets prioritized without you even thinking about it the most important step here is that the money in this account has one job and one job only that's to fuel your priority for the year whether that's painful workout classes or healthy meals if it's a health fund if it's a work fund it'll be taking a course or buying resources for your career for me I chose relationships as my focus so for me I'm setting aside money every month to host every month this fund is dedicated to bringing friends and family together whether it's dinners outings
meaningful quality time it's just a simple intentional way to ensure that my actions align with what matters most to me when you keep this money separate in a labeled account it makes sure that this money is reserved for one purpose and that is your goal and if you get to the end of the month and you see that it hasn't been touched you want a question there if your health fund isn't being spent on gym memberships or healthy meals what's holding you back if your relationship fund is untouched while date nights or quality time keep
getting postponed it's a sign you're not prioritizing what you said you would the goal isn't to save this money is to invest it into designing your life when that money lands in your account each month know exactly where it's going because if you're not spending on your growth you're actually just saving that money whilst your life stays the same designing your year isn't about making or saving more money it's about using your current money differently with intention and with purpose and in a way that can hopefully keep you on track with your goals speaking of
making this year different I want to tell you about something I'm super excited about and it could be a game changer for your journey I've just opened the doors to nisha's Inner Circle my private Community my personal finance and life design membership which I created because I've seen firsthand how transformative expert guidance can be when you're working to level up your life inside the Inner Circle you'll get access to two monthly live coaching calls with an incredible lineup of experts financial advisers certified planners mindset coaches successful entrepreneurs and a whole lot more so whether you
want to launch a profitable side business this year Master investing completely transform your money mindset we've got you covered but here's what makes it really special it's more than just expert advice you're joining a community of ambitious people who are all working to design their dream lives you'll get personalized guidance from our OnDemand money expert within 48 hours plus access to my complete library of courses resources and Money Makeover workshops where we pick a member at random and do a real life analysis of their finances to ensure that they're always aligned with their goals the
doors are only open until Thursday 9th of January so if you want to learn more you can click the link in the description or head to Nish show.me slnc now moving on to part three and that is the follow through now here is where most people get stuck the follow through life gets busy unexpected expenses pop up and suddenly we're back in our old habits so three things that you need to do to make sure you actually stick with this firstly the monthly checkin set a recurring calendar reminder for the first of each month where
you check that goal account if the money in that goal account is completely untouched ask yourself why did life get in the way did that goal slip down on your priority list use that as a signal to reassess refr focus and take action the next month number two the progress track keep a simple note on your phone of how you're using this money for me with my relationship goal I am going to track each time I host I'm going to write who came what we did and it just keeps me accountable and honestly it's pretty
motivating to see the progress and number three the adjustment window every 3 months look at your system and ask is this working do I need to adjust the amount am I seeing actual changes in this area of my life if not we might need to tweak either the goal or the money strategy so there you have it your three-part system for making this year different your priority check-in to get clear on what matters your money architecture to fuel that change and your follow-through system to keep you on track thanks for watching