Gemma Mitchell

So that three part framework, and you don't need to have a financial advisor or a money coach to do that.

You can do that with yourself with self-education, but I think you need to do it in that order a lot of the time.

I think we definitely work with them.

I would say in my experience, lots of people have goals.

Okay.

And they know what those goals are.

And then they go into coaching and we're like, are they actually your goals?

And we challenge that.

Well, I challenge that.

And that was a process that I had to do for me personally.

Because a lot of the time I find that people have goals that they

they just think need to be their goals because they were everybody else's goals or that's what people just do like buy your first home you know there's this order this checklist of success so a lot of the time people have specific goals um but i i just like to deep dive into that and find out well what does that goal mean to them and sometimes it's not their goal and sometimes it is and that's just reaffirmed that and

The other tip with goal setting, so if somebody's thinking, I don't have any goals, which if you've been through a really rough time or you can't see, like you can't imagine being good with money, maybe you don't have financial goals, right?

But I think we get stuck on goals thinking they have to be big, audacious goals.

So one of Christian's goals is to buy a tiny home in the Sunshine Coast within five years.

And he's identified that by the time he gets there, he'll need about $2 million.

Is that the goal with the tiny home?

Yeah.

You could just declutter.

That's a big goal and he's very clear on it.