I'd dive into the year with big goals, trying to juggle fitness, career growth, better relationships and keeping my sanity, but within weeks I'd either lose focus or give up altogether.

我會帶著遠大的目標投入新的一年，努力兼顧健身、職業發展、改善人際關係和保持理智，但沒過幾周，我就會失去重心或徹底放棄。

Then I realised that there was a piece of the puzzle that I was missing, money.

後來我意識到，我還缺少一塊拼圖，那就是錢。

I never thought about using money to fuel my goals, but once I did, everything changed.

我從未想過用錢來推動我的目標，但一旦我想到了，一切都變了。

Not only did I achieve my goals, but I also reached them faster and with less stress.

我不僅實現了目標，而且實現得更快，壓力更小。

And so in this video, I'm going to walk you through the exact process I used to achieve all of my goals last year, broken into three simple steps.

是以，在這段視頻中，我將帶你瞭解我去年實現所有目標的具體過程，分為三個簡單的步驟。

The priority check, the money architecture, and finally the follow through.

優先檢查、資金架構，最後是落實。

Let's get started with the priority check.

讓我們從優先檢查開始。

This is split between two parts.

它分為兩個部分。

First, we're going to pick one area of your life that you want to work on this year, and then we'll get super clear on how you're going to make that part of your life better.

首先，我們要從你的生活中挑選出一個你今年想要努力的領域，然後我們會非常明確地告訴你如何讓你生活中的這一部分變得更好。

So grab your phone, open your note section or your note taking app and write down right here, right now, what is the one area that you want to work on this year?

所以，拿起你的手機，打開你的筆記板塊或筆記應用程序，就在這裡，就在現在，寫下你今年要努力的一個方面是什麼？

Choose from one of the following, health, self and spirituality, relationships.

從健康、自我與靈性、人際關係中任選一項。

Number four, work and money.

第四，工作和金錢。

So just pick one area and write it down.

是以，只需選擇一個領域並寫下來。

I want to emphasise just one.

我只想強調一點。

When I did this two years ago, I tried tackling everything at once, getting fit, starting to meditate, starting a five business, the works, and all of that lasted all of two weeks.

兩年前，我試著同時處理所有事情，健身、開始冥想、做五項生意，所有這些只持續了兩週。

So start with just one and you can always add another layer as you move through the year.

是以，先從一個開始，隨著時間的推移，您可以隨時添加另一層。

Now, before we can apply money to this, we need to take our chosen area and make it into something concrete.

現在，在申請資金之前，我們需要把我們選定的領域變成具體的東西。

This will later help us assign a dollar value to it.

這將有助於我們為其分配一個美元價值。

So instead of just a vague idea, we're going to create a clear roadmap with specific actions that moves you closer to success.

是以，我們要做的不是空泛的想法，而是用具體行動繪製清晰的路線圖，讓你更接近成功。

Think of it as mapping out your path to the destination where each milestone represents a tangible step forward.

把它想象成繪製通往目的地的路線圖，每一個里程碑都代表著向前邁出的實實在在的一步。

So what does that mean in practice?

那麼，這在實踐中意味著什麼呢？

If you choose health, envision what success means for you.

如果你選擇健康，請設想成功對你意味著什麼。

For example, is it signing up for and attending three workout classes each week, yoga, spinning, strength training?

例如，是每週報名並參加三次健身課程，瑜伽、旋轉、力量訓練？

Is it scheduling that overdue doctor's appointment to finally address your persistent back pain and keep up with the monthly physio sessions?

是為了最終解決頑固的背痛問題，還是為了堅持每月一次的理療？

If you picked self and spirituality, what's your version of growth?

如果你選擇自我和靈性，你的成長版本是什麼？

Maybe it's creating a habit of starting each day with a 10 minute guided meditation using an app like Calm or Headspace.

也許是養成一種習慣，每天一開始就使用 Calm 或 Headspace 等應用程序進行 10 分鐘的引導式冥想。

Maybe it's signing up for that online course on confidence building or mindfulness that you've been considering for months.

也許是報名參加你考慮了幾個月的關於建立自信或正念的在線課程。

If relationships is your focus, identify what improvement would look like.

如果人際關係是您關注的重點，請確定改進的方式。

Is it scheduling monthly visits and friend visits?

是安排每月探訪和朋友探訪嗎？

Is it booking a consultation to start couples therapy or even reading a relationship book together as your very first step?

你們的第一步是預約諮詢，開始夫妻治療，還是一起讀一本戀愛書籍？

If you chose work, clarify what progress means.

如果您選擇工作，請明確進展的含義。

Is it creating a three month action plan to launch your side business, starting with the most simple step of designing a logo or researching your audience?

是制定一個三個月的行動計劃來啟動你的副業，從最簡單的設計徽標或研究你的閱聽人開始？

Is it researching career switch options and setting up one informational interview per week with people in your target industry?

是研究職業轉換方案，每週與目標行業的人進行一次資訊訪談？

Be super specific and actionable, so clear that you can track your progress and celebrate that milestone along the way.

要超級具體、可操作，明確到你可以跟蹤自己的進展，並一路慶祝這一里程碑。

Step two now is the money architecture.

第二步是資金架構。

Now you've got your specific actionable step written down towards your goal, it's time to take a step that most people never even think about, and that is making your money work for this goal.

現在你已經寫下了實現目標的具體可行步驟，是時候邁出大多數人想都沒想過的一步了，那就是讓你的錢為這個目標工作。

In fact, I've never seen goal setting approach from this angle before, but optimizing your finances around your goal will really fuel your transformation.

事實上，我以前從未見過從這個角度來設定目標的方法，但圍繞目標優化你的財務狀況將真正促進你的轉變。

So how does this work?

那麼它是如何工作的呢？

Step one, calculate your net income.

第一步，計算你的淨收入。

Write down your monthly net income, that's the money that hits your bank account after taxes and from that, take away all of your monthly must pays, the bills and costs that you cannot avoid.

寫下你的月淨收入，也就是稅後進入你銀行賬戶的錢，從中扣除你每月必須支付的所有費用，也就是你無法避免的賬單和費用。

So this includes your housing, rental mortgage, utilities, basic groceries, any minimum debt payments and any other unavoidable essential bills.

是以，這包括您的住房、租房貸款、水電費、基本日用品、任何最低債務還款以及任何其他不可避免的基本賬單。

Then once you've got that number, step two is allocate a portion of what's left for your goal.

有了這個數字後，第二步就是將剩餘的部分用於實現目標。

So out of what's left there, after covering your essential expenses, decide on a portion that you want to dedicate to your goal.

是以，在支付了基本開銷後，從剩下的錢中拿出一部分來專門用於實現目標。

Remember, this is not about neglecting your other key priorities like building an emergency fund, contributing to retirement or paying off high interest rate debt.

請記住，這並不是要您忽略其他重要優先事項，如建立應急基金、為退休做貢獻或償還高利率債務。

Your transformation fund works alongside those priorities.

您的轉型基金與這些優先事項並行不悖。

Even if you can only spare $50 a month right now for this goal, that's okay.

即使你現在每月只能拿出 50 美元來實現這個目標，也沒關係。

What matters is you're intentionally allocating money towards the life that you want to design while keeping your financial foundation in check.

重要的是，你要有意識地將資金分配給你想要設計的生活，同時控制好你的財務基礎。

And step three, put your money to work.

第三步，把錢用在刀刃上。

How do you do this?

如何做到這一點？

Create a completely separate account from your regular spending and name it after your goal.

創建一個完全獨立於正常支出的賬戶，並以你的目標命名。

So put the year, the given year first, and then write health fund, the given year, relationship fund and set up an automatic transfer into this fund.

是以，先寫年份、給定年份，然後寫健康基金、給定年份、關係基金，並設置自動轉入該基金。

This creates a system where your goal gets prioritised without you even thinking about it.

這就創建了一個系統，讓你在不經意間就能確定目標的優先次序。

The most important step here is that the money in this account has one job and one job only.

這裡最重要的一步是，這個賬戶裡的錢只有一個用途，而且只有一個用途。

That's to fuel your priority for the year, whether that's paying for workout classes or healthy meals.

這是為你今年的優先事項提供燃料，無論是支付健身課程還是健康飲食的費用。

If it's a health fund, if it's a work fund, it will be taking a course of buying resources for your career.

如果是健康基金，如果是工作基金，它將為你的職業生涯購買資源。

For me, I chose relationships as my focus.

對我來說，我選擇了人際關係作為我的重點。

So for me, I'm setting aside money every month to host.

是以，對我來說，我每個月都會留出一筆錢來舉辦活動。

Every month, this fund is dedicated to bringing friends and family together, whether it's dinners, outings, meaningful quality of time.

每個月，該基金都致力於讓朋友和家人團聚在一起，無論是聚餐、郊遊，還是度過有意義的美好時光。

It's just a simple, intentional way to ensure that my actions align with what matters most to me.

這只是一種簡單、有意識的方法，以確保我的行動與對我來說最重要的事情保持一致。

When you keep this money separate in a labelled account, it makes sure that this money is reserved for one purpose, and that is your goal.

當你把這些錢單獨存放在一個貼有標籤的賬戶中時，就能確保這些錢只用於一個目的，那就是你的目標。

And if you get to the end of the month and you see that it hasn't been touched, you want to question that.

如果到了月底，你發現它還沒有被動過，你就會質疑。

If your health fund isn't being spent on gym memberships or healthy meals, what's holding you back?

如果您的健康基金沒有用在健身房會員卡或健康飲食上，那麼是什麼阻礙了您的發展？

If your relationship fund is untouched while date nights or quality of time keep getting postponed, it's a sign you're not prioritising what you said you would.

如果你的感情基金沒有動用，而約會之夜或高質量的時間卻被不斷延後，這就表明你沒有把你說過的事情放在首位。

The goal isn't to save this money, it's to invest it into designing your life.

我們的目標不是把這些錢存起來，而是把它投資到設計自己的生活中去。

When that money lands in your account each month, know exactly where it's going, because if you're not spending on your growth, you're actually just saving that money whilst your life stays the same.

當這筆錢每月存入你的賬戶時，你要清楚地知道它的去向，因為如果你沒有把錢花在你的成長上，你實際上只是把這筆錢存了起來，而你的生活卻保持不變。

Designing your year isn't about making or saving more money, it's about using your current money differently, with intention and with purpose, and in a way that can hopefully keep you on track with your goals.

設計你的一年並不是為了賺更多的錢或存更多的錢，而是為了以不同的方式、有目的、有意圖地使用你現有的錢，並希望這種方式能讓你朝著自己的目標前進。

Moving on to part three, and that is the follow-through.

接下來是第三部分，也就是後續工作。

Now here is where most people get stuck, the follow-through.

現在，大多數人都卡在了這裡，即後續行動。

Life gets busy, unexpected expenses pop up, and finally we're back in our old habits.

生活變得忙碌，意外支出突然出現，最後我們又回到了原來的生活習慣。

So three things that you need to do to make sure you actually stick with this.

是以，你需要做三件事來確保自己真正堅持下去。

Firstly, the monthly check-in.

首先是每月簽到。

Set a recurring calendar reminder for the first of each month, where you check that goal account.

在每月 1 日的日曆上設置循環提醒，檢查目標賬戶。

If the money in that goal account is completely untouched, ask yourself why.

如果目標賬戶裡的錢完全沒有動過，問問自己為什麼。

Did life get in the way?

是生活阻礙了我們嗎？

Did that goal slip down your priority list?

這個目標在你的優先事項清單上滑落了嗎？

Use that as a signal to reassess, refocus and take action the next month.

以此為信號，重新評估、調整重點，並在下個月採取行動。

Number two, the progress track.

第二，進度跟蹤。

Keep a simple note on your phone of how you're using this money.

在手機上簡單記錄一下你是如何使用這筆錢的。

For me, with my relationship goal, I am going to track each time I host, I'm going to write who came, what we did, and it just keeps me accountable, and honestly it's pretty motivating to see the progress.

對於我來說，在我的關係目標上，我要跟蹤我的每次主持，我要寫下誰來了，我們做了什麼，這只是為了讓我對自己負責，老實說，看到進步是很有動力的。

And number three, the adjustment window.

第三，調整窗口。

Every three months, look at your system and ask, is this working?

每三個月檢查一次您的系統，問一問：這樣做有效嗎？

Do I need to adjust the amount?

我需要調整金額嗎？

Am I seeing actual changes in this area of my life?

我是否看到了生活中這方面的實際變化？

If not, we might need to tweak either the goal or the money strategy.

如果沒有，我們可能需要調整目標或資金策略。

So there you have it, your three-part system for making this year different.

這就是讓今年與眾不同的三部曲。

Your priority check-in to get clear on what matters, your money architecture to fuel that change, and your follow-through system to keep you on track.

你的優先事項簽到可以讓你明確什麼是最重要的，你的資金架構可以為改變提供動力，而你的跟進系統則可以讓你保持在正確的軌道上。

Thanks for watching.

感謝觀看。