Most financial stress comes from avoidance leading to mismanagement, not lack of money. Your task: Write down: - Monthly income (average) in the hand i.e. after tax - Fixed costs - rent, food, power, petrol etc. - Variable spending - average you spend on non-necessary things e.g. subscriptions, eating out, clothes - Savings / debt - totals Then ask: “What would need to change about my money behavior to align with my values (and ensure I don’t spend more than I earn)?” Post below: Share one realization you had (no numbers needed).

Motivation is unreliable - too emotional to depend on. Discipline is different; it's a rational decision to do what is RIGHT rather than what feels good in the moment. Answer honestly: 1. What do I wait to “feel ready” to do? 2. What would disciplined action look like instead? Then choose one reminder you’ll follow regardless of your mood. E.g. I will often ask myself, “What is the best thing to do right now for my future self’s success?” Post below: “My discipline principle for this year is…”

The functioning of your body is the foundation of everything else. Neglect it at your peril. We’re not aiming for perfect, we’re aiming for sustainable. Your task: Define: - Exercise frequency + type - 3–5 simple eating rules This is your bare minimum, even on bad weeks when you’re sick, tired and depressed. Post below: Share your baseline (again, not your ideal).

If your day has no structure, your emotions will make all your decisions. We know how that goes! Discipline is doing what you know you should do, instead of doing what you feel like doing right now. Your task: Design: - A minimum viable morning routine (10–30 mins) - A simple shutdown routine at night (The Morning Routine course in the Classroom will help with this). Include: - One physical action, e.g. exercise in morn, stretching at night - One mental action, e.g. meditation in morn, journaling at night - One integrity action (something you usually avoid), e.g. cold shower in morn, quality time with kids at night Post below: Your morning routine plan... and the thing most likely to derail it.

Now that you have a basic idea of your core values, what behavioural processes are these likely to produce? What habits of behaviour should you aim for to help live by these values? Imagine it’s December 31st 2026 and you’ve lived the year well. Your task: Write a short description of what should happen this year with your different areas: - Health? - Career/finances? - Relationships and social life/skills? - Psychology and mindset? - Mission and purpose? Focus on processes, not achievements. E.g. “I worked out every day” is better than “I got muscular” “I initiated confrontations” is better than “I got lots of dates”. Comment below: Share one paragraph that best captures “future you” - 1 sentence per area of life.