What Really Matters Most to You?

Posted on: December 19, 2018

Around this time of year, we usually spend a lot of time with family and friends.  We reflect on the past year and make plans for the year to come.  Cheer will be had and resolutions made.  The second most common resolution that I hear is “to save more money”.  Just in case you’re wondering, the MOST common resolution that I hear is to be more health conscious.

The two are not necessarily dissimilar.  They both require small, regular steps in pursuit of a larger, more meaningful goal.  For example, being more aware of our health is not something that really brings enjoyment to most people.  Eating vegetables and exercising regularly is not something most people get excited about.  “I want to eat more broccoli and then go for a nice jog!” is not the endgame.  However, the results are what people desire.  Eating better and regular exercise generally leads to improved health, a longer life span, and improvement in overall quality of life.

Now, to expand on that idea, let’s talk about the other goal.  “Save more money” sounds nice.  It’s clean.  It’s catchy.  It sounds responsible.  Just like “be more health conscious.”  It’s not usually the endgame though.  Very few people want to save more money because they like contributing to retirement plans or researching tax deferral strategies.  Just say the word “budget” and gauge your own reaction…did excitement come over you?  Probably not.  So why do people want to “save more money?”  It is so they can achieve the things that really matter.  Less stress, financial freedom, and peace of mind. 

The point is this…think about the things that really matter in your life.  I can’t tell you what they are.  It might be quality family time.  It could be a cause that you champion.  Perhaps it is building a legacy that lasts well beyond your time or simply living without regret or fear.  Whatever it is, spend some time this season thinking about how you can make the most of your resources and spend your life doing what really matters.

…I also recommend eating your vegetables. 

Have a very Happy Holiday Season,

Travis Denkenberger, AWMA®

Vice President of Wealth Management & Financial Planning

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