Mel Browne

So it's both a goals exercise, I think, to be as excited for that picture of 10 years' time as you are for today and putting things in place so that you still enjoy today, so you still have enough funds, but you're also looking after future you.

But I think as well it's letting go of the entitlement and expectation around what

now needs to look like you know when i was growing up i shared a room with my sister we had one tv we had one car for the family we never went on and i wouldn't go on an overseas trip till to i think it was 16 when we went to new zealand the big occasion

But nowadays, the expectation of what is a basic right is so different than that.

So I think there also needs to be that expectation of, well, this is what society says that I should have, but what actually do I want?

And that's the really important thing I think is necessary in goal work, to ask the question, what do you want?

Not what does society want for you?

Not what do marketers say that is the bare minimum?

Not what your parents want for you or your peers want for you?

What do you want?

And only when you're excited about that.

You know, if your friend, if you said to them, you know, in 10 years' time, if you were having a beer with yourself at your next significant birthday, what would you want to hear?

And if they could tell you that and then say, right, so what are you doing about that?

And often when you change the lens of how you look at these things, that's when you can start to get excited about it.

Because otherwise you just invest what you think you should and you're not excited about it.

So your motivation for it is a whole lot less than you being excited about a picture on your board.

That's my year.

But then December is really quiet.

But I'm the opposite.

I'm like, oh, God, I didn't do that.