7 Financial Fitness Habits to Strengthen Your Money Mindset

Because your financial health deserves the same care as your physical health.

When we hear the word “fitness,” most of us picture gyms, running shoes, and green smoothies. But financial fitness? That’s just as important—and too often overlooked.

I’m not a doctor or a personal trainer, but I do know that just like staying in shape physically, staying in shape financially can have a lasting impact on your well-being. Financial fitness is about having the skills, tools, and knowledge to make confident, informed decisions with your money. It’s not just about how much you have—it’s about how you manage it.

When you’re financially fit, you’re better equipped to:

• Manage your money with intention

• Stick to financial guardrails (aka your budget)

• Handle debt effectively

• Work toward long-term goals

• Reduce stress and anxiety around money

• Make smart, ethical choices when it comes to loans, investments, and insurance

  
  

So how do you get there? Here are seven habits I see in financially fit people—and how you can start building them into your own life.

1. Set your own goals—not someone else’s.

Your financial goals should reflect your life, your values, and your priorities—not your neighbor’s, your friend’s, or even your parents’. Whether it’s buying a home, retiring early, or taking a dream vacation, setting clear goals gives your financial plan direction.

And if you’re married or partnered, it’s crucial to set those goals together.The best goals are SMART: Specific, Measurable, Attainable, Relevant, and Time-specific.

2. Know what matters to you.

What are your financial values? These are the principles that guide how you spend and save. If you want your finances to align with your values, take a look at your bank statements or credit card history—they tell a pretty honest story.

Make a list of what’s important to you. Then ask: Are my spending habits in sync with those priorities?

3. Build a spending plan (aka a realistic budget).

I know the word budget isn’t exactly exciting—but think of it as a spending plan instead. It’s about control and clarity, not restriction. A good spending plan includes saving for emergencies and things you want—like vacations or home upgrades.

4. Track what’s coming in and going out.

It’s not enough to make a budget—you’ve got to track it. Whether it’s a spreadsheet, budgeting app, or just pen and paper, find a system that works and stick to it. You’ll probably be surprised by how much gets spent on things that don’t really matter—and that awareness alone can be a game-changer.

5. Live within—and ideally below—your means.

Do you want to have money left at the end of your month, or month left at the end of your money?

A shocking 78% of Americans live paycheck to paycheck. That kind of stress doesn’t just hit your wallet—it hits your peace of mind. Building even a small emergency fund can help soften the blow when life throws something unexpected your way.

6. Create (and commit to) a financial plan.

A financial plan is like your GPS—it shows you where you are, where you’re going, and how to get there. It accounts for your goals, your timeline, and the curveballs life throws along the way.

The good news? You don’t have to do this alone. I help clients build personalized plans and adjust them over time as life evolves.

7. Avoid scams and shortcuts.

If it sounds too good to be true, it usually is.

In 2024, crypto investment scams were the most expensive scam category, with median losses of $30,000 per person. These scams often show up as “guaranteed” or “low-risk” opportunities. Don’t fall for it—slow and steady wins the race when it comes to building wealth.

Final Thoughts

Financial fitness, like physical fitness, isn’t about perfection—it’s about consistency. It takes discipline and intention, but the payoff is peace of mind, greater confidence, and the ability to live life on your terms.

If you want help getting started—or taking the next step—I’d be happy to talk.