📂 Stages 1–4: Unclear Goals – You Only Sense What You Want to Achieve
At this stage, your financial goals are still vague, undefined, or even entirely absent. You might know that you “want more money,” but you’re not exactly sure how much or why.
Thoughts about the future may feel overwhelming or too distant to plan for. The rush of daily life and immediate needs takes up all your attention, leaving strategic planning in the background.
However, this is precisely the stage where the opportunity to take the first step arises — not by creating a perfect plan right away, but simply by starting to recognize your desires and needs.
Start with questions like:
– How do I want to feel a year from now?
– How secure do I want to be in retirement?
– What would I like to experience or achieve in the next five years?
Answers to these questions will help form an initial picture of your goals.
Here, it’s not the exact number that matters, but the direction.
Small steps — like setting a savings goal or scheduling a “financial review day” in your calendar — can lead to big changes.
This is the moment to start moving from dreams to structured thinking.