The Missing Link Between Money Mindset and Wealth
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This morning, while showering and letting my thoughts wander, I had a simple but powerful realization: Building a business and building wealth have one crucial thing in common.
Despite all the overused strategies we read about, both journeys are deeply personal—where generic advice often falls short.
In my German business, many women reach out to me because they struggle financially—no surprise 😮. While their challenges may seem similar, their financial situations are always personal.
From day one, I committed to answering every email myself, even if I can’t always reply immediately. I could copy and paste responses, but that wouldn’t truly help. So I take the time to answer personally.
Today, I received an email from a new reader. There was nothing unusual about her message—until the last sentence: I would be happy if no AI answered me.
That made my day. And of course, I’ll reply to her personally.
Answering these emails isn’t just about helping my readers—it helps me too.
It gives me a deeper understanding of the unique nature of each financial situation, allowing me to provide guidance that isn’t just generic advice but true support for self-empowerment.
That’s why I believe three key things are essential for building a solid financial foundation:
1️⃣ A healthy mindset and relationship with money
2️⃣ Financial planning
3️⃣ A Minimalist Wealth-Building strategy
I’ll dive deeper into mindset and wealth-building soon, but today, let’s focus on financial planning!
Why? Because financial planning bridges the gap between a strong money mindset and actual wealth-building. You can’t build wealth without a plan, and a solid plan keeps you motivated throughout the journey.
With the new year still fresh, now is the perfect time to start. But before jumping into planning, let’s take a moment to reflect on a few essential questions…
What is Financial Planning?
Simply put, financial planning is a strategy that helps you get from where you are now (A) to where you want to be financially (B). It’s based on your income, expenses, net worth, and financial capabilities.
For example, if you’re currently renting, married, and planning to have kids and buy a home in five years, financial planning helps you figure out how to make that happen.
As you start planning, you might realize that your goal seems out of reach based on your current situation. That’s where financial planning becomes essential—it’s about organizing and managing your money to achieve your goals and build long-term financial security.
How Can Financial Planning Help You?
4 Powerful Ways Financial Planning Can Transform Your Life (+ Free Template!)
We all know we should save and invest. But when it comes to actually doing it, there are two types of people: those who plan and those who don’t.
Without a plan, you save money randomly—only when you have extra—hoping things will improve. But with a plan, you know exactly what you’re saving and investing for, how much you need, and how long it will take to reach your goals.
If you haven’t planned your finances yet, don’t worry—you’re not alone. Here are four key reasons why financial planning is life-changing:
1️⃣ Financial Planning Boosts Your Confidence
If your finances are messy, it’s easy to feel uncertain or even ashamed. Having a plan changes that.
With a written financial plan, you have clear goals and a way to track your progress. This reduces doubts and helps you make informed decisions, even when obstacles come your way. Instead of feeling lost, you’ll feel more stable, in control, and optimistic about your future.
2️⃣ You Can Save Money—Even in Small Amounts
Many people think, “I don’t have enough money to plan.” But that’s a myth.
You don’t need to wait until you have more money to start planning. In fact, financial planning is especially important if you’re earning less. It helps you improve your saving and spending habits, no matter your income level.
A written plan helps you prioritize your goals and measure your success—one small step at a time.
3️⃣ A Financial Plan Helps You Build an Investment Portfolio
A good financial plan gives you a big-picture view of your future—what you want to achieve, how long it will take, and how to handle risks along the way.
With this clarity, you can decide how to reach each goal.
This includes:
✅ Saving—setting aside money for short-term needs and emergencies.
✅ Investing—growing money for long-term goals like retirement or wealth-building.
Instead of making random investment decisions and hoping for the best, your financial plan acts as a roadmap to guide you.
4️⃣ Financial Planning Helps You Build Better Money Habits
Financial planning isn’t just about saving and investing—it’s about confidence, security, and improving your quality of life.
With the right insurance, emergency fund, and financial habits, you’ll feel more in control. Planning helps you create positive money habits that support your long-term well-being and success.
That’s where Minimalist Financial Planning comes in.
Instead of overcomplicating things, minimalism simplifies financial planning, allowing you to focus on what truly matters: saving, investing, and growing wealth—without stress.
By following these 8 essential steps to financial freedom, you’ll create a financial foundation that supports your goals and brings clarity to your money journey.
Step 1: Develop a Minimalist Money Mindset
Before diving into numbers, start with your relationship with money. Many women struggle with financial anxiety or limiting beliefs that hold them back from taking control of their wealth. Minimalist Financial Planning teaches us that money should be a tool, not a source of stress.
Simplified Action: Identify one money belief you want to change and replace it with an empowering one. For example, instead of “I’ll never be good with money,” try “I am learning to manage my money with ease.”
Step 2: Set Focused Financial Goals
A minimalist approach to financial planning means focusing on the essentials—not trying to do everything at once.
Ask yourself:
Where do I want to be financially in 5, 10, or 20 years?
What financial goals truly matter to me? (Owning a home? Retiring early? Traveling more?)
Simplified Action: Write down one short-term goal (1 year), one mid-term goal (5 years), and one long-term goal (10+ years). Keep your list minimal and clear.
Step 3: Track Money with Simplicity
Minimalist Financial Planning encourages intentional spending. Instead of tracking every penny in a complicated spreadsheet, focus on what truly matters: knowing how much comes in and where it goes.
Simplified Action: Use a one-page financial snapshot (income, fixed expenses, savings, and investments) instead of overwhelming budgeting tools.
Step 4: Build a Minimalist Emergency Fund
Financial security starts with having a safety net. Minimalism reminds us to prioritize what’s essential—an emergency fund is one of the best investments in peace of mind.
Simplified Action: Start with a goal of €1,000. Once you reach that, aim for 3–6 months of essential expenses. Keep it simple, but effective.
Step 5: Eliminate Debt with a Purpose
Debt complicates finances and limits freedom. The minimalist mindset encourages intentional borrowing and getting rid of high-interest debt as soon as possible.
Simplified Action: List all your debts and focus on paying off the highest interest debt first. If overwhelmed, start with the smallest balance for a quick win.
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Step 6: Automate and Simplify Investing
Investing doesn’t have to be complicated. The key is consistency—not complexity. Minimalist investing focuses on simple, proven strategies, like index funds or automated contributions.
Simplified Action: Set up automatic transfers into a savings or investment account each month—start small and increase over time. Stick to low-cost, diversified investments.
Step 7: Protect Your Financial Well-Being
Financial planning isn’t just about growth—it’s also about protection. This includes having the right insurance, estate planning, and legal documents in place.
Simplified Action: Ensure you have health insurance, disability insurance, and a will to protect your finances and loved ones. Minimalism means having only what’s necessary—no excessive policies, just what truly safeguards your future.
Step 8: Live & Spend Intentionally
Minimalist financial planning means prioritizing experiences over things, focusing on essentials, and cutting out financial clutter.
Ask yourself:
Does this purchase add long-term value to my life?
Am I spending out of habit or true necessity?
Simplified Action: Try a "no-spend" challenge for a week or declutter your expenses by canceling unnecessary subscriptions.
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Minimalist financial planning isn’t about restriction—it’s about freedom.
The less financial clutter you have, the more energy you can dedicate to what truly matters.
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P.S.💬 What’s one step you’ll take today to simplify your finances? Share in the comments below!