I spend a lot of my time thinking about how our approach to saving and managing money needs to adapt to the different seasons we experience in both life and business.

But lately, one question I've been asking myself is this:

How can we honour the financial season we're in while still making progress towards our bigger savings goals?

For a few reasons:

• Reason #1: We often put immense pressure on ourselves to save huge sums quickly without considering if it's realistic for our current season. This can lead to guilt, anxiety and feeling stuck.

• Reason #2: The typical financial advice of having X amount saved for emergencies, retirement, etc, by a certain age isn't always helpful. It doesn't account for the nuances of entrepreneurship or seasons when cash flow is tighter.

• Reason #3: Many of us default to cutting all discretionary spending in order to save more. But we rarely explore the other side of the equation - how to expand our income and earning potential so we can save without deprivation.

To wrestle with this question, a few things I am doing are challenging my beliefs around what financial safety and success really mean to me, identifying small ways to chip away at savings goals that honour my current reality, and brainstorming how to increase my income in alignment with my values.

But I think it'll be a while before I come to any sort of solid conclusion.

(And if you have a clear answer to this question, I'd love to hear from you.)