E15 - Your 2026 Wealth Vision: Who You’re Becoming + How Your Money Supports Her

As we head into a new year, most of us default to the same routine.

We make lists.
We set goals.
We tell ourselves this is the year we’ll finally “get it together.”

More money.
More discipline.
More productivity.

But what if that’s backwards?

What if the most powerful way to plan your year isn’t by asking what you want to do — but who you’re becoming, and how your money needs to support her?

That’s what this post is about.

Not optimizing every dollar.
Not chasing 47 financial goals.
Not becoming a finance robot.

But using money intentionally — as a support system — so you can build a life that actually feels aligned.

Why Most Year Planning Feels Off (Even When You’re Doing “Everything Right”)

Here’s something I’ve noticed over and over again — both in my own life and in the women I work with.

When I plan a year based only on goals and numbers, it feels heavy.
When I plan a year based on identity and values, it feels expansive.

Same income.
Same accounts.
Completely different energy.

Most of us were taught to plan like this:

• What do I want to accomplish?

• How much should I save?

• What should I optimize?

But almost no one teaches us to ask:

• Who do I want to become?

• What kind of year do I want to live?

• What kind of support will that version of me need?

When you skip those questions, money decisions feel stressful — not because you’re doing them wrong, but because they’re disconnected from meaning.

The Question That Changed How I Think About Money

Years ago, I was answering a reflection question that stopped me cold:

If you died tomorrow, what would you be most sad you didn’t get to do, have, or be?

I realized something surprising.

I’d done a lot.
I had experiences.
I had what I needed.

But the thing that felt unfinished wasn’t an achievement.

It was becoming the woman I knew I could be.

That realization changed how I think about planning — and money.

Money stopped being about “how much” and started being about:

• time

• flexibility

• safety

• choice

Money wasn’t the goal.
Money was the thing that could support the life I wanted to grow into.

Start With Identity, Not a To-Do List

If you want a year that feels intentional, start here:

Who are you becoming this year?

Not the perfect version.
Not the Instagram version.
The real one.

Maybe she’s:

• calmer

• more confident

• less reactive

• more present

• more grounded

• more adventurous

• more secure

Once you know her, money decisions stop feeling abstract.

They become practical.

Choose One Wealthy Woman Anchor for the Year

Instead of setting a million goals, choose one anchor.

Not the only thing you’ll do — but the thing everything else supports.

Ask yourself:

If everything else fell away, what is the one thing that would make this year feel meaningful?

Examples:

• “I want to understand my investments.”

• “I want to feel calm and supported by my money.”

• “I want to build stability.”

• “I want to know I’m on track for the life I want.”

This anchor becomes your filter.

When life gets chaotic, you don’t ask:
“What should I be doing?”

You ask:
“Does this support the woman I’m becoming?”

How Do You Want Money to Feel This Year?

Before touching spreadsheets or investing basics, pause.

How do you want to feel with money this year?

Calm?
Confident?
Supported?
Free?

For most women, financial freedom isn’t about extravagance.

It looks like:

• not panicking when you check accounts

• spending without guilt

• trusting that you’re on track

• knowing what your money is actually doing

That feeling doesn’t come from perfection.
It comes from clarity.

Let Your Numbers Support Your Vision (Not Run the Show)

Once you’re clear on who you’re becoming, numbers stop feeling scary — they start feeling useful.

You don’t need a complicated system.
You need clarity on five things.

1. Your income

Annual and monthly.
Include bonuses, side income, and employer matches.

2. Your spending

Focus on:

• fixed costs (rent, childcare, loans, insurance)

• average monthly spending

This shows you how much flexibility you actually have.

3. Your saving and investing rate

A general guideline is 15–20% of income.

But the more important question is:

Am I supporting the life I’m planning?

4. Your safety net

Emergency fund = non-negotiable.

Minimum: 3–6 months of expenses.
Personally, I prefer closer to 12.

Why?
Because wealthy people don’t panic — they plan.

5. A basic understanding of your investments

You do not need to analyze everything.

Start with:

• What accounts do I have?

• How much is going into each?

• What fees am I paying?

That’s enough to move from avoidance to confidence.

Know Your Net Worth (This Matters)

Your net worth = your assets minus your expenses.

Think of it like this:

Income is the weather.
Net worth is the climate.

Weather shows you the day-to-day.
Climate shows you the big picture.

Your net worth shows:

• how much choice you actually have

• your long-term trajectory

• your margin for error

Align Spending With What You Actually Value

Once you have clarity, alignment becomes simple.

Ask:

• What three things do I want to spend more on?

• What three things am I ready to cut back on?

• Do my biggest expenses reflect my values?

Example:

• Value freedom → travel, time, support

• Value stability → savings, safety, margin

• Value family → experiences, flexibility, presence

Money doesn’t need to be perfect.
It needs to be intentional.

Check In Quarterly — Not Constantly

Annual goals are too vague.
Daily checking creates anxiety.

Quarterly check-ins are the sweet spot.

Every three months, ask:

• What’s working?

• What doesn’t matter anymore?

• What needs to shift?

Put it on your calendar.
Treat it like a real meeting.

Because it is.

This Is the Real Payoff

This isn’t about becoming a finance expert.

It’s about:

• trusting yourself

• feeling safe making decisions

• knowing your money supports your life

• building financial freedom that actually feels good

When your money is aligned, everything else gets lighter.

Ready to Go Deeper?

If you’re ready to design a year that feels aligned — not reactive:

👉 Listen to the full podcast episode for the guided walkthrough
👉 Download my free investing guide to understand your accounts & fees
👉 Join my newsletter for weekly clarity (not overwhelm)
👉 Book a call if you want support doing this with someone

You don’t need to try harder.
You need alignment.

And once you have it, everything changes.