You Don’t Have a Money Information Problem. You Have an Accountability Problem.
I paid a personal trainer 150 euro a week to tell me I was doing too much. His name is Dan. He is 43, a dad, and the first thing he said to me was this: “You do not need to leave every session shaking and lightheaded. That is not progress. That is punishment.”
I had spent the last year punishing myself. Twenty weeks training for a marathon. Long, lonely Sunday runs that left me exhausted but did not change my body. Then a gym app. Then an eight-week influencer programme. I even spent hours trying to reverse-engineer what a 43-year-old Dutch guy needs from exercise.
The information was never the problem. I knew what to do. I just could not make myself do it. And every failed attempt made the next one harder to start. Dan did not give me a complicated plan. He gave me a simple one and told me to show up. He watches what I am doing in real time. That means I actually go. No excuses. Someone is expecting me.
Here is what most people get wrong about financial progress. They think they have an information problem. They do not. You already know you should be saving more. You know you should be investing earlier and sorting your pension. You have known this for years. Knowing has never been the issue.
What you actually have is an accountability problem. And a permission problem. Nobody has ever sat down with you and said: “You do not need to fix everything at once. Start here. Just this one thing. I will check in on you.” So instead you read another article. You listen to another podcast. You have another conversation with yourself about what you should be doing. And nothing moves.
A client of mine, let us call him Mark, came to me two years into his first tech job in Dublin. Good salary. No savings. Pension untouched. Company share scheme ignored. He knew what those things were. He just did not know where to start. So we started with one thing. He logged into his pension portal for the first time. That was it. Session one. Just the login.
Three weeks later, he had set up an AVC and was contributing an extra 400 euro a month tax free. He had enrolled in his company share scheme. Not because I gave him a massive list of tasks, but because once he got started, the fog lifted. And once it lifted, it touched everything. His stress levels. His sleep.
So here is my question. What is the one financial thing you have been meaning to do for months but have not touched? Not a list. Just one thing. This week, do that one thing. If you have no idea where to start, start here: log in to your pension. Just the login. See what is actually in there.
If you want a hand figuring out the next steps, here is a short video on what I actually do: https://go.bamillionaire.com/watch-now. Or if you are ready, book a call: https://go.bamillionaire.com/apply
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