Motivation to improve your financial situation comes and goes, just like with dieting, exercise, reading, and just about everything else in life.
You decide it’s time to make a change, you open up a spreadsheet and start tracking all your expenses. You open an investment account on a new platform and start doing research. You start reading about inflation and interest rates, real estate and crypto.
And then…
You get sick. You hit a roadblock. Work gets busy. You go on vacation. Something comes up with the kids. One thing after another.
Slowly but surely, you find yourself opening the spreadsheet less and less often. It falls out of date, then out of sight, then out of mind.
The money you put in the investment account sits in cash or who knows what. Finance just keeps falling further down your list of priorities and in six months, or two years, or however long it takes for your motivation to return, nothing has really changed and you keep finding yourself starting over and over again from almost the exact same spot.
That’s why we like to ask the question, “What happens when you lose interest?”
When your curiosity in the market dries up. When you stop tracking all your expenses. When your motivation to keep saving and working toward your long-term goals goes out the window. What happens then?
The answer is that you better have a system to fall back on. You better have good defaults set up, so that things will continue to happen automatically and your finances will continue to move in the right direction whether you’re motivated or not.
That’s what we help people build at Tallkirk Financial Group. We help people create a system around their finances that doesn’t require them to constantly be disciplined or spend a ton of time tracking every expense.
We help make everything related to managing cash, saving, and investing all based on rules, so that you don’t even have to think about it.
The goal is to make it less stressful and more automatic so that it’s sustainable. So that you keep making consistent progress even when you don’t feel like it.
That’s what building wealth without willpower is all about.