Every January, many people set ambitious New Year’s resolutions. But by March, studies show that nearly 80% of resolutions have been abandoned. Why? Because most goals are too big, too fast. That’s why we focus on small, consistent steps through our Clear Picture Wealth Program, which helps you achieve financial success through small, consistent actions — not massive overhauls.
We don’t believe in financial overhauls or once-a-year resolutions. Instead, subtle, intentional shifts in your financial habits, investment strategies, and business plan can create a powerful fresh start. Inspired by the book “The Slight Edge” by Jeff Olson, our philosophy emphasizes daily disciplines over radical changes. Success isn’t about making massive changes overnight, it’s about mastering a small, consistent actions that separate financial progress from financial stagnation.
Three Core Strategies for a Financial Fresh Start
Starting fresh doesn’t mean starting over. By focusing on small, manageable changes, leveraging the power of incremental investing, and nurturing a mindset that values consistency, you can build lasting financial strength and growth.
- Make Small Micro-Adjustments to Your Financial Habits: Tiny changes can lead to big results. Whether it’s setting up automatic savings, reallocating your investments, or simplifying how you track your cash flow. These small tweaks create a solid foundation for growing your wealth steadily.
- Harness the Power of Incremental Investing and Compound Growth: Start by automating your savings and gradually increasing your contributions. That way compound interest works behind the scenes to do the heavy lifting.
- Cultivate a Mindset That Celebrates Consistency: Financial success isn’t about quick wins, but about steady progress. Developing a success-focused mindset by celebrating small wins and being consistent keeps you motivated and helps turn good habits into lasting results.
Real-Life Wins
One client improved their saving habits simply by switching from manual transfers to automatic payroll deductions, which made progress not only effortless and consistent but also “out of sight, out of mind.” Another client gradually embraced Roth conversions after gaining knowledge and confidence over time with guidance.
To build lasting financial strength, start with a clear picture. Break your finances into five key areas: cash flow, asset allocation, retirement readiness, protection, and legacy. Identify which area needs the most attention, keeping your big-picture goals in mind but focusing on micro-steps you can take now.
Even a slight increase in your investment contributions can lead to exponential growth over time. The key is automating these contributions, paying yourself first at a higher level beyond just salary-based savings. Business owners can apply this same “slight edge” principle to managing cashflow, capital allocation, and even planning their exit strategies.
Choose Progress Over Perfection
The point isn’t just about incremental savings. It’s about making consistent, manageable decisions. Don’t rip the Band-Aid off — that’s the same reason why so many New Year’s resolutions fail. Your financial health, personal well-being, and life circumstances can’t handle sudden shocks. Instead, take small bites so you won’t overwhelm your system.
Having the right mindset is crucial. Sometimes, the most powerful progress lies in small, achievable actions. If you don’t already have a will or trust, getting one in place is a measurable win that requires only effort and intention. Or maybe you need to increase your savings by $50 a month — celebrate that win!
Consistency is key. The small changes you make today can have a ripple effect throughout your entire financial life. As suggested in the book, “The Slight Edge,” consider writing a letter to your future self one year out, reflecting on the small improvements you are already making. Reflecting on these small, almost unnoticed steps can compound over weeks, months, and years, and sending a letter to yourself can help you take stock of your progress and stay intentional. And it’s not just for your financial life but something you can also apply to your personal life and relationships.
Make listening to “20 Minutes of Clarity” with Jason and Andy a regular part of your slight edge. Tune in on YouTube for practical insights that fuel your financial growth.
A fresh financial start doesn’t require starting over! Call Jason Noble at (843) 743-2926 or Andy Merchant at (316) 669-9413 to begin building a plan that’s aligned with your goals.
This article is for general information only and should not be considered as financial, tax or legal advice. Prime Capital and its associates do not provide legal or tax advice. Individuals should consult with an attorney or professional specializing in the fields of legal, tax, or accounting regarding the applicability of this information for their situations.
Advisory products and services offered by Investment Adviser Representatives through Prime Capital Investment Advisors, LLC (“PCIA”), a federally registered investment adviser. PCIA: 6201 College Blvd., Suite#150, Overland Park, KS 66211. PCIA doing business as Prime Capital Financial | Wealth | Retirement | Wellness.
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