Awesome to Be You

Mar 26

We talk a lot about saving for the future—retirement, dream homes, business expansion, early freedom. And that’s important.

But I want to ask you something:

Are you putting off a better life?

Are you waiting for some far-off milestone to finally feel at ease?
Are you playing smaller than you need to?
Are you spending in ways that feel routine—but not intentional?

Because what I’m seeing more and more is this:
Having the money is one thing. Using it to build a life you love is another.

The Client Who’s Doing It Right

I spoke with a client this week—a young professional living in the city. She’s single, lives near her closest friends, and loves to travel.

She’s doing everything right on paper:

Saving 15% for retirement, plus a generous employer match.
Keeping robust cash reserves for emergencies.
Contributing to a taxable brokerage account every month.

Financially, she’s crushing it. But that’s not the full picture.

So I gave her three indicators to guide the next phase of her financial life:

1️⃣ Does it feel awesome to be her right now?
She’s enjoying life on her terms—going to the nice gym, grabbing dinner with friends, setting aside money for future travel. She’s not overdoing it—she’s just living aligned with what matters to her right now.

2️⃣ Is her future self being taken care of?
With her consistent retirement contributions, the answer is yes. We project that she’s on track to be very well supported in retirement.

3️⃣ Is her opportunity fund growing?
She’s contributing monthly to a taxable brokerage account. She doesn’t know exactly what it’s for yet—law school? A home? Sabbatical?—but when the opportunity comes, she’ll be ready to say yes.

If she’s hitting those three markers in a way that feels sustainable and energized… everything else will take care of itself.

The Other Extreme: When Saving Becomes Avoidance

On the surface, saving is responsible. It’s admirable. It’s what we’re told to do.

But sometimes, saving becomes a crutch—a way to avoid decision-making, productive risk, or even joy.

I hear stories all the time about people who are “such good savers” that they build up millions of dollars… and never develop the spending muscle to enjoy it.

A surprising number of people are crushing their goals—yet unable to enjoy the results.

So… What About You?

Let’s bring the focus back to you:

✅ What’s the evidence that your current life is being taken care of?

✅ What are you doing that makes life feel awesome right now?

✅ Do you have a system in place to support future you?

✅ Are you building flexibility for whatever life throws your way next?

A well-lived life isn’t built later—it’s shaped by the decisions you make today.

Here’s to making sure it feels awesome to be you—now and in the future.

— Andrew

Want to talk with Andrew directly?

Schedule a 30-minute Free Clarity Session to get expert eyes on your financial questions and explore what support might look like.