Money means different things to different people. For some, it’s a tool for growth. For others, it’s a source of stress. For many, it’s a constant balancing act between meeting responsibilities today and planning for an uncertain future.
Written by:
Justin Walton
Date:
February 28, 2025
Money means different things to different people. For some, it’s a tool for growth. For others, it’s a source of stress. For many, it’s a constant balancing act between meeting responsibilities today and planning for an uncertain future.
It is common to feel challenged by financial decisions, whether investing, dealing with limited disposable income, or prioritising personal needs over supporting others.
When external circumstances delay the things we want in life, money can sometimes become a way to regain control and feel better in the moment.
But what happens when thinking long-term feels overwhelming?
Some people struggle with imagining their financial future because they focus entirely on the present, ensuring their child is supported and stable, and not having to think about personal joy.
There is also the added complexity of financial habits formed by upbringing. Knowing which approach is best can be challenging when one parent is highly cautious with money, and the other spends freely.
Some people carry a mix of both habits into their own lives, managing their finances separately from their partner, maintaining individual assets, and prioritising flexibility over rigid financial structures.
The most valuable shift for those in this position isn’t about making dramatic financial changes.
It is about recognising that long-term security and present-day quality of life do not have to be in conflict. Investing, saving, and financial planning are not just about the distant future; they are about ensuring that life can be lived fully with fewer financial worries.
If financial decisions feel overwhelming, start small by asking:
· Am I using money to improve my life or as a temporary comfort?
· Is my financial independence giving me true flexibility, or is it creating unnecessary separation?
· What small financial steps can I take today to benefit my present and future?
Money should support matters most, whether that is security, flexibility, or meaningful experiences. The key is finding a balance that allows for today and tomorrow.
If this resonates with you, take a moment to reflect on your financial habits.
Are they serving you or holding you back?
The next 10 years start now. How will you use them?
Justin Walton is an Executive and Financial Coach, and Consultant working in Essex and London. He writes regularly on financial well-being and brings his lived experience and professional expertise together to benefit clients and partners.
Don’t hold onto what is holding you back.
I offer a range of executive and financial coaching and consultancy solutions for business leaders and their teams and can tailor my services to help you meet your goals.
