Achieving Financial Success
Financial success isn’t just about how much you earn — it’s shaped by your knowledge, your attitude and your personal values around money. One of the most powerful ways to take control of your finances is by asking yourself: “What does money mean to me?” It’s a simple question, but the answer can reveal a lot. For some, money represents safety and stability. For others, it means freedom, opportunity or achievement. Your answer will help guide your financial decisions and shape your goals.
Because we all have different life experiences, our financial priorities vary. That’s why it’s important to explore your money values — the beliefs and habits that influence how you spend, save and plan. Consider these questions to better understand your financial mindset:
- How did you view money growing up?
- Did your parents talk openly about finances?
- Have you ever felt richer or poorer than your peers? How did that affect you?
- How did your family handle money — were they savers, spenders, or somewhere in between?
- Do you consider yourself a spender or a saver? Why?
- What role does charitable giving play in your financial life?
- Where do you see yourself financially in five to ten years?
- Are you willing to live below your means now to build a better future?
Once you’ve reflected on these questions, you’ll be better equipped to make intentional financial choices. Here are a few practical strategies to help you stay on track:
- Practice the power of waiting. In today’s world of instant gratification—fast food, online shopping, and one-click purchases — it’s easy to spend impulsively. Next time you’re tempted to buy something on a whim, wait three days. If you still want it after that, then consider making the purchase.
- Prioritize your wants. Most people understand the difference between wants and needs, but your values may shape what you consider essential. For example, charitable giving may not be a basic need, but it could be a top priority for you. Living in a comfortable home might matter more than wearing designer clothes or driving a new car. Identify what matters most and adjust your spending to support those values.
- Avoid comparison. Many people live beyond their means, often relying on credit to maintain a lifestyle that looks good on the outside. Focus on your own goals and values. Trying to keep up with others is a losing game — true financial success comes from living within your means and building a future that reflects your priorities.
- Prepare for the unexpected. Building an emergency fund, paying down high-interest debt and saving for retirement are key steps. Even small, consistent contributions to savings accounts or retirement plans can grow significantly over time.
Ultimately, financial success isn’t about how much you earn — it’s about how well you manage what you have.
