Create a personalized set of your own rules to govern your saving and spending. Rather than adhering to generic financial advice, such as “save 10% of your income” or “cut out discretionary spending,” create rules that speak to your desires and aspirations.

It’s easy to forget what truly matters as life’s twists and turns can lead a person astray.

In a world where distractions abound and temptations lurk around every corner, we often find ourselves navigating through a labyrinth of pitfalls, choices, and challenges. Along this path, it’s easy to lose sight of our goals, to veer off course, and to succumb to the distractions that surround us. 

Financial rules are not rigid constraints to stifle our creativity or limit our potential. No, these rules are the silent guardians of our journey, the guiding stars that keep us on course when the seas of uncertainty grow rough; they are the boundaries we set for ourselves, not to confine us, but to empower us. They serve as our North Star, guiding us through the darkness and illuminating the path ahead.

When it comes to money, emotions can cloud judgment and pride can blind. In these moments, you’ll need a set of guiding principles – your own personalized life instructions – to keep you grounded and focused. While your goals may be clear, it is the rules that you set for yourselves that serve as beacons constantly steering you clear of financial missteps.

While dreams and goals provide the destination, it is the rules we establish that ensure we stay on course, navigating the twists and turns with purpose and determination. Rules aren’t interchangeable with goals themselves. Instead, they serve as the guardrails we construct to keep us steadfast on the journey toward achieving our goals.