Welcome to Radical Personal Finance, a show dedicated to providing you with the knowledge, skills,

insight and encouragement you need, deliver rich and meaningful life now, while building a plan

for financial freedom in 10 years or less.

My name is Joshua, I'm your host.

Today we're going to talk about part three of how to wrap up one year and start a better one as we come to the end of 2020 and plan for a better year in 2021.

And step three is simply plan. That's what we're going to be talking

about in today's show. Step one was reflect. Talk to you about the value of

simply reflecting on the year that was, gaining and harvesting some lessons.

Then in step two I talked about dreaming, tried to encourage you to never stop dreaming,

to always maintain your ability to simply dream, dream about a better future in any area

that you would like to, any area that matters to you, just simply dream. But we know and I tried to defend this thesis, dreaming is important. But at the end of the day

there's a reason why we differentiate dreaming from things like goal setting or dreaming from things like planning.

I encourage you to dream with no absolute commitment to achieving your dreams.

I encourage you to simply enjoy the practice of dreaming and to let yourself off the

hook recognize that you don't have to do everything that you think would be fun. But then there

comes a time at which you want to start to transform those dreams into reality.

I'm not personally convinced that this has to be a structured program.

I think a lot of people succeed to an astonishingly high degree, even without

clear structured programs in their life. I've known many people who became wealthy somewhat haphazardly because they simply did the things that you do to become wealthy even though they didn't know that that's exactly what they were doing.

They didn't specifically have a plan.

I've seen this when people have built large businesses.

I've seen this when people have simply saved money out of even modest incomes

...