How To Show Yourself The Love By Realigning Your Financial Goals

As a financial advisor and CFP® professional, there’s a common thread I see more often than not with the women I work with: we’re often so busy taking care of everyone else that we forget to prioritize ourselves. But with Valentine’s Day around the corner, now is the perfect time to reflect on how you can show yourself love—not just with chocolates or flowers or any of the other Hallmark-manufactured traditions, but by taking care of your financial goals and investing in your future.

Whether you’re married and head up the finances in your household, are a single parent or perhaps are a recent widow, I understand how hard it can feel to make room for yourself when money is tight and the weight of your financial responsibilities seem endless. But I’m here today to tell you that proactive, thoughtful financial planning can help you cover today’s needs and build the life you deserve – a life you will love.

Here are a few things to keep in mind as you think about realigning your financial goals in a way that will support your self-care:

1. Recognize That Financial Planning Is a Form of Self-Care

Planning for your future is one of the most loving things you can do for yourself. By setting clear goals and outlining steps to achieve them, you’re giving yourself something meaningful to work toward. Whether it's financial goals, career aspirations, or personal growth, planning allows you to take control and align your efforts with the life you envision.

When you invest time in planning, you're not just managing tasks—you’re creating space for opportunities and building a path toward a future that reflects your values and desires.

2. Set Goals That Reflect What You Truly Want

What would it look like to align your financial goals with your dreams? Take time to ask yourself:

• Are your savings and investment goals supporting what you value most?

• Are you building a future that includes not just caring for your kids but also taking care of yourself?

• How can you create financial flexibility for the things that bring you joy, such as hobbies, travel, or personal growth?

Consider starting or contributing to accounts like an IRA for retirement, a 529 for your children’s education, or even a vacation fund. These aren’t just financial tools—they’re stepping stones to living a life that honors your needs and values.

3. Budget for What Fills Your Cup

It’s easy to let guilt creep in when it comes to spending on yourself, but dedicating part of your budget to things that nourish your soul is essential. Ask yourself what truly recharges you:

• Do you feel rejuvenated after a yoga class or a weekend getaway?

• Would counseling or therapy provide the mental clarity you need?

• Are there hobbies you’ve put on hold that would bring you joy?

Making room for these priorities in your budget isn’t an indulgence—it’s a way to nurture yourself and build resilience.

4. Plan for Your Future (Yes, Yours!)

When was the last time you paused to think about your long-term financial goals? It’s easy to focus on providing for kids or meeting immediate needs, but your future matters just as much. Start by:

• Reviewing or opening a retirement account like an IRA or 401(k).

• Mapping out goals for major milestones, such as buying a home, traveling, or even starting a passion project.

• Thinking about what legacy you want to leave—not just for others but for the life you envision for yourself.

Your financial goals should honor the dreams you have for your future, not just everyone else’s.

5. Build a Safety Net for Yourself

An emergency fund can give you more than financial stability—it gives you options and a sense of control. Even small contributions to a savings account can add up over time, allowing you to make decisions from a place of confidence rather than stress.

This safety net isn’t just for life’s “what-ifs”; it’s for the opportunities that arise when you’ve planned ahead.

6. Work with Professionals Who Support Your Goals

You don’t have to figure it all out alone. I cannot stress this enough. Partnering with a trusted financial advisor can help you align your financial goals with your values while navigating life’s challenges. A professional can help you:

• Create a tailored plan that balances your immediate needs and long-term aspirations.

• Identify opportunities to invest in yourself, whether that’s through retirement savings, budgeting for experiences, or building wealth for the future.

• Provide strategies to navigate periods of financial strain or uncertainty.

Loving yourself means knowing when to ask for support—and taking the steps to ensure you’re building a life that reflects what you value most.

7. Check In Regularly with Yourself and Your Goals

Life changes constantly, and your financial plan can and should evolve alongside it. I encourage you to make time to review your goals regularly to ensure they still align with your priorities. Whether it’s adjusting your budget, shifting your focus toward retirement savings, or revisiting plans for a major life milestone, staying flexible and intentional will keep you moving forward.

Make 2025 the Year You Invest in Yourself

Loving yourself means giving yourself the time, resources, and care to build a future you’re excited about. By aligning your financial goals with your values, setting aside resources to nurture yourself, and planning for what matters most, you can create a life that reflects the love and care you deserve.

Ready to take the first step? Let’s work together to create a financial plan that prioritizes you, your dreams, and your future. Schedule a complimentary financial consultation with me today and let’s get started!