More than ever before, it’s important to put a plan in place to make you feel financially secure, even with all the uncertainty all around us right now. Personally, I’m working towards being “work-optional” in the next 15 years. I want to have enough cash-flowing assets that my living expenses are covered, not needing to touch retirement accounts, and whatever work I do is gravy.

Depending on where you are in life right now, your steps probably aren’t the same as mine. Maybe you’re just getting started on retirement, maybe you’re in survival mode and can’t be putting a bunch of money away into savings right now.

Give yourself grace. There’s no sense in shaming yourself.

How to get started on a savings plan:

Start really small. Pick no more than 2 savings goals. Automate whatever you can towards that.
Check in every few months and see if you can fit larger contributions into your anti-budget right now or not. Maybe your goals will change, too.
If you get a raise or take a better-paying job, split your raise amount 50/50 so that you can enjoy your money as well as bump up your savings.

There’s no sense to be depriving yourself of everything you love right now just for the future. Strike a balance between deprivation and YOLO. Set goals that make you feel safe and taken care of, and start there.

We cover ALL of this in the “Get Your Finance Sh*t Together” self-study course at confidentmoneypodcast.com!

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DISCLAIMER:

I am not a financial advisor and this is not financial advice. My podcast is for educational purposes and is my personal opinion only. To make the best financial decision for your situation, please do your own research and if needed, seek the advice of a fee-based, fiduciary.