Are You Ready for the New Year?

It is the beginning of a new year and a time most of us take a self-audit, and set goals! Are you continuing with where you are now based on the past year, or is it time to move in another direction? This can be your year of de-cluttering: removing the habits and expenses that no longer serve you to make space for the life you actually desire.

• Define your goals and strategy for the year.

• Plan and initiate your investing or savings.

• Decide if another source of income is right for you.

Goals and Strategy

Is 2026 your year of aggressive savings? More traveling and experiences? Perhaps it’s growing a business or pouring into projects you’ve already started. Getting specific about the year you’d like to have will create a better chance of follow-through. Remember: vague goals produce vague results.

Plan and Initiate Your Strategy

Are you increasing your investing or beginning to create a financial portfolio? In the current 2026 market, many are moving away from speculative hype and focusing on resilient growth.

Current Trending Strategies:

Index Funds & ETFs: Specifically Total Market funds which provide instant diversification.

Dividend Growth Investing: Focusing on companies that pay you a portion of their profits regularly.

High-Yield Cash Reserves: Utilizing high-yield savings accounts or money market funds to keep your emergency fund working while interest rates remain favorable.

Fractional Shares: Investing in high-priced blue-chip stocks with as little as $5.

Budgeting is a useful strategy to use alongside your investments. Knowing exactly where your money goes allows you more control over the areas you chose to invest your life in. For example: instead of paying for Netflix, Amazon, and Hulu simultaneously, consider choosing just one. Redirecting that extra $250–$400 a year into a compounding index fund or a weekend trip.

Once you’ve decided on your amount, make it automatic. Set up a recurring transfer so your future self is paid before you have the chance to spend it.

Additional Income Streams

Adding additional income streams and diversifying your income isn't just about wealth; it’s about security and skill-building. In today’s digital-first economy, the barrier to entry for an online start up has never been lower. Taking a closer look at your Human Design type could be helpful in choosing where to put your energy in a new start up.

This extra income stream can look like:

• Selling a Skill: Offering freelance consulting or design on platforms like Upwork.

• The Creator Economy: Starting a YouTube channel or joining a creator fund.

• Affiliate Marketing: Recommending products you actually use and love.

• Service-Based Roles: Working as a virtual personal assistant or a specialized pet-sitter.

Choose an additional skill or hobby that could potentially snowball into a small business or money making stream over the next few months and grow into next year. When creating a goal and the best strategy for the outcome you desire should be a fun and enjoyable process. You aren't just managing money; you are reclaiming your time and space for the things that truly matter.