Here I introduce another exercise that can provide you with an operating system on how you can make all kinds of life decisions, not just money ones.

The Values List:

https://brenebrown.com/resources/dare-to-lead-list-of-values/

I did actually do my own in December but this was fun too and could be useful for people if they are interested in reflection. I've actually just checked my 2026 plans to see if I am on track or not, so even though its 5 months late, it has been worth an hour of my time for sure.

Here is the link for the template: https://chriswillx.com/review/

I prefer the term spending plan, as for me, it creates real agency on how we allocate our financial resources.

So many tools out there, if you are old school (like me), I prefer writing or keying my data. The best spreadsheet I have seen is this one:

https://www.moneysavingexpert.com/banking/budget-planning/

I like this version from a Canadian firm on the Financial Planning Triangle and how it can tie-in with Maslow's work on needs.

https://www.valleyfirst.com/simple-advice/wealth/building-a-financial-pyramid#steps

What are some of the golden rules we need to think about when investing?