Have you ever noticed how one tiny choice can shift your whole day? You pack your lunch instead of buying it, tuck twenty dollars into savings, or stop yourself from clicking add to cart. The moment feels small, almost too small to matter. Yet those tiny decisions start becoming the bricks that quietly form the future you’re moving toward.

That’s what Ken and I are leaning into during Week 3 of our Wealth Formula Expanded Journey on LIFE’S Inside Track. We’re taking a thoughtful, honest look at the habits that shape us — the ones that strengthen our confidence, calm our minds, steady our relationships, and give us room to breathe financially. So many of us were never taught to pay attention to money in a gentle, doable way. For a lot of households across Canada, money just vanishes. It slips away because no one ever showed us how to stay aware long enough to direct our dollars with purpose.

This is why something as simple as spending ten minutes a week reviewing your finances can change everything. According to RBC, that tiny weekly habit made people 42% more confident about their financial life. Ten minutes. Less time than scrolling two reels. That’s the real secret — consistent awareness. Your habits really do predict your “someday,” and someday arrives a lot faster than we expect.

I think the hardest part for most people is that looking at money can feel discouraging at first. So instead of facing it, we avoid it. We hide from bank statements, delay decisions, ignore the pile of bills, or pretend not to notice the spending that doesn’t line up with our goals. The trouble is that hiding doesn’t protect us; it keeps us stuck in regret or resentment. The moment you take even the tiniest step — tracking for one day, looking at one bill, or acknowledging one mistake — something begins to soften. You start shifting from hiding to healing. And that shift is powerful.

In The Wealth Formula, Sarah and David experienced the same challenges. They slipped up. They overspent. They tried new habits and then fell back into old ones. Yet everything began to change the moment they stopped saying “if only…” and started saying “next time…”.
“Next time” says you’re learning.
“Next time” says you’re paying attention.
“Next time” says your future is getting brighter.
It’s amazing how two little words can open a whole new path.

And speaking of mistakes — here’s something we don’t talk about enough: your money mistakes can become your greatest teachers. Not because they’re pleasant, and not because you’d ever choose them. They matter because each one gives you insight into what needs to shift. Ken, for example, used to believe that buying a new car every few years was smart because it avoided repair bills. It felt logical. It also cost us tens of thousands of dollars we didn’t need to spend. When he learned a different approach — buying reliable used cars with cash — everything changed. That one habit shift created years of financial breathing room.

That’s the beauty of it.
Every loss can become tuition.
Every regret can become direction.
Every misstep can become momentum.
As long as you’re willing to pause, reflect, and try again.

Now here’s the part I love most: the magic of small wins. When you let yourself acknowledge a tiny win, you reinforce the identity of someone who is wise, steady, and moving forward. You give your future a spark. A win might be following your budget for a whole month, paying off your smallest credit card, packing lunches for a week, selling a few things you no longer need to build your cushion, or simply saying no to a purchase that didn’t align with your goals. They may feel small, yet they matter so much. Those moments build confidence. They gather momentum. They allow you to see that your choices are working.

According to BMO’s 2025 study, Canadians who track and celebrate monthly milestones are 50% more likely to stay on track with their financial goals. That’s the power of acknowledgment. Celebration doesn’t need to cost money. It’s often nothing more than taking a moment to notice your progress, hearing your partner say, “That was a wise choice,” or having a guide look you in the eye and say, “Well done. Keep going.” When you celebrate, you repeat. When you repeat, you grow. And when you grow, your wealth grows with you — gently, steadily, and wisely.

If you’re ready to build a little momentum, this is a beautiful moment to book a clarity call. Share one of your wins with us — big or small — and let’s build from there. The future you want is created by the choices you make today.

The habits that heal are the habits that help you thrive.
And when we move forward together — truly together — we’ve got this.