We went to the Bondi Kite Festival on Sunday. The sky was full of colour—kites everywhere.

We bought a $10 kite and gave it a go.

It was harder than it looked. The kite swung side to side, crashed down, and refused to stay up.

We tried again. And again.

Finally, it caught the wind.

Once it reached a certain height, the breeze did the work. The kids just held onto the string, and up it went—steady and effortless.

Watching it fly high in the sky, I thought:

Money works like this too.

Starting—organising your finances, saving, investing and setting up a system—can feel awkward and frustrating.

But once you build momentum and structure, the wind does most of the work.

Put in the effort to get your kite—your money—off the ground. After that, maintaining it can feel almost effortless.

Have you had a “kite moment” in life or finances—where the hard part was just getting started?