1. Know What You're Working Toward
I've written down 3 specific things I'm working toward (not just avoiding)
I can clearly describe what financial freedom looks like for me
My goals excite me rather than overwhelm me
I know why these goals matter to me personally
2. Understand Your Money Stories
I've identified 2-3 money beliefs I learned growing up
I've written down whether I view money as scarce or abundant
I've recognized one money story that's been holding me back
I've chosen one new money belief to practice this month
3. Be Honest About Where You Are
I know my exact monthly income (after taxes)
I've reviewed all my account balances in the last week
I've listed all my debts with current balances and interest rates
I've tracked my spending for at least one week to see where money actually goes
I've faced the numbers without shame or judgment
4. Define What "Enough" Means for You
I've written down what financial success means to me (not others)
I can name a specific "enough" number for my emergency fund
I've stopped comparing my finances to friends or social media
I know what lifestyle feels right for me (not what I "should" want)