Progress without process doesn't work.

I know that and you do too. Have you paid off your debt or established a savings plan, only to find yourself right back where you started a short while later? I lost count of the times I felt like my u-turn had turned into a full 360-degree loop.

Progress is short-lived if it's not tied to new processes - both internal and external.

If you want to make consistent progress towards your financial goals, you must upgrade your operating systems.

You have two:

Internal - drives your behavior, emotions, and decision-making

motivation
self-awareness
emotional regulation
ability to deal with stress
creative problem-solving

External - mechanisms and activities that reinforce positive money habits

automation
credit management
tracking and categorizing spending
aligning saving and investing with goals
key metrics such as net worth and cash flow

Most people focus on taking fast action, without tending to their outdated software.

They get results, but those are usually fleeting. And sometimes the failure causes further erosion to their internal and external systems.

Perhaps my story sounds familiar:

racked up a ton of credit card debt
worked and saved for months to pay it off
but a year later I had even more debt than before
felt defeated and resigned myself to being a financial failure

Sure, I made temporary progress, but I lacked the processes to sustain it. And I didn't address the outdated beliefs that drove my behaviors in the first place.

Hear this: You can't transform your financial situation for good by following quick-fix tips and tricks.

Stop trying to patch your way to change. We all put off full system upgrades because they take time. But eventually we do them because we know they are required to improve and maintain performance.

How up-to-date is your software?

You Might Be Struggling Financially Because You're Running Outdated Software

Progress without process doesn't work. I know that and you do too. Have you paid off your

What will you write today?