09/22/2026
"We'll do a full financial plan when the timing is better."
I've heard some version of this from a lot of people.
And honestly, I understand.
Life gets busy.
Between work, family, school events, vacations, home projects, and everything else competing for our attention, it's easy to put financial planning on the back burner for "later."
Recently, I sat down with a couple who told me exactly that.
They wanted a plan.
They knew they needed one.
They just felt like they needed life to slow down first.
A few months went by.
Work got busier.
The kids got busier.
Vacations were planned.
Life kept moving.
When we finally sat down together, one of them smiled and said:
"You know, things never really slowed down."
And that's the reality for most of us.
There is rarely a perfect time.
There is rarely a season where everything is organized, stress-free, and calm enough to focus on your finances.
The truth is, financial planning isn't something you do when life settles down.
It's something that helps you navigate life while it's still messy.
The families who make the most progress aren't necessarily the ones with the highest income or the biggest investment accounts.
They're the ones who decide their future is important enough to make time for today.
Because the biggest mistake I see isn't making the wrong financial decision.
It's waiting.
Waiting for the right time. Waiting for more money. Waiting until work isn't so busy. Waiting until next year.
And before you know it, years have gone by.
If you've been telling yourself, "I'll get around to it when things slow down," you're not alone.
Just remember:
The best time to create a financial plan isn't when life is perfect.
It's before life reminds you why you needed one.
If this spoke to you in any way, reach out and let's turn "tomorrow" into today.
Enjoy this view from one of my favorite gold courses in Vermont.