On Saturday morning, I woke up tired.

I’d stayed up later than usual on Friday night, and the last thing I felt like doing was going for my usual walk.

But after two weeks of rain, the sun had finally come out.

So I told myself: “Just 5 minutes. I’ll pop out, stretch my legs, then come back.”

Once I put on my walking shoes and stepped outside, something shifted.

5 minutes turned into 30. And by the time I got home, I felt refreshed, not tired.

It reminded me of something powerful:

• You don’t need motivation to start.

• You just need one small step.

That first small step creates momentum.

The same applies to money. I see it with clients all the time — once they take one small step, everything else feels easier.

- Not ready to create a spending plan? Just review last month’s expenses.

- Don’t want to overhaul everything? Cancel one subscription you don’t use.

- Not ready to invest big? Start small — even a little can build the habit.

One action is all it takes to shift your momentum.

So let me leave you with this:

What’s one small step you could take this week — with your money, your health, or your goals — that your future self will thank you for?