Do you often catch yourself saying things like “I’m only young once” or “I’ll figure out how to make more money later”?
These short-term justifications for spending might feel good in the moment, but over time, they can hold you back from building the financial future you truly deserve.
Don’t get me wrong—I’m all about enjoying life and living in the moment.
But as your money coach, I’m here to tell you that thinking long-term with your money doesn’t mean sacrificing all your fun now. It means creating a balance between enjoying today and securing your future.
Instead of letting YOLO (“you only live once”) be your driving mantra behind spending, let’s shift that mindset. Let’s make decisions that not only accommodate your current self but also set your future self up for success, stability, and peace of mind.
The good news? You can train your brain to think long-term with money. It’s not about being perfect or transforming your habits overnight—it’s about taking small, intentional steps that add up to big changes over time.
In this episode, I’m sharing 5 practical ways you can start training yourself to think long-term with money starting today.
Whether you’re struggling with impulsive spending or just need help staying focused on your financial goals, this episode is packed with actionable tips to help you get there.
Here’s a glance at this episode:
- [02:06] If you want to start thinking long-term with money, you have to visualize your life in the future. What do you want your life to look like?
- [04:49] If mental health is impacting your finances, you’re not alone. There are solutions. Raya recommends an episode with a client who shares how mental health impacts her finances.
- [09:08] Give yourself some grace when you first start out with delayed gratification, intentionality, and mindful spending.
- [11:51] Raya shares an example of how a past-time with her mom of visiting discount stores caused unplanned spending.
- [15:30] Get into the habit of always going back to your why. It doesn’t have to be a defense mechanism, but can serve as a motivator.
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Resources mentioned in this episode:
Listen to CGS Podcast Episode 38 – Money and Mental Health
Listen to CGS Podcast Episode 37 – How Practicing Delayed Gratification Sets You Up for Financial Success
Learn about Raya’s Financial Focus Coaching Program
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