{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"2. Reach 2020 Goals with a Spending Plan and a Yearly Theme","description":"Michael kicks us off on a serious note by discussing opportunity cost, how to create a spending plan, and various tools like eMoney, Quicken and Mint to help you track your expenses. It\u2019s time to take the word \u201cbudget\u201d out of your vocabulary and replace it with \u201cspending plan\u201d to help you focus on what\u2019s important to you and spend accordingly. It allows you to be aware of your financial health and keep you on track with your goals. From there, Alisa shares that she\u2019s been loving on Food and Wine's Instagram (How to Cut an Onion). Additionally, Alisa\u2019s new guilty pleasure on Netflix is Virgin River, which has a very slow start but gets good at the end (and is renewing for season 2 in 2020!). Very different from Michael\u2019s affinity for Cheers and Frasier. Seriously though, Michael dives a little deeper into the financial planning process and the importance of setting multiple financial goals and aligning them. He\u2019s often asked, \u201cShould I pay down debt or save for the future?\u201d Spoiler alert: the answer is BOTH. Your financial plan should be the direction you take to achieve your short- and long term goals. Speaking of goals, Alisa discusses the importance of having a yearly theme. This is the time to reflect on the past year by asking yourself what worked, what didn\u2019t, what do you want to leave behind in 2020, and what do you want to take with you. You use your yearly theme as a guidepost to keep your actions aligned with your goals and desires. She\u2019s a huge fan of Ink & Volt\u2019s Yearly Planning Sheets. These take hours to complete, but they are worth the time, reflection and effort! One of the exercises included is determining your \u201cyearly theme\u201d. Her 2019 theme was \u201cFoundation.\u201d She\u2019ll share here 2020 theme in a future episode. She will walk you through everything if you\u2019d like, so DM her on IG! At the end of the day, planning is a crucial step to creating a future full of financial and emotional direction and freedom. All links: Seriously Though Podcast on Instagram Food and Wine on Instagram How to Cut an Onion Virgin River Ink & Volt\u2019s Planner (Alisa\u2019s fave!) Ink & Volt\u2019s Yearly Planning Worksheets Bolt Wealth Management  Alisa.Coach  Michael on Instagram Alisa on Instagram (see \u201c?s for Reflection\u201d on her Stories) To schedule an introductory coaching session, visit Alisa.Coach. For more information on financial planning, visit Bolt Wealth Management.  ","author_name":"Seriously Though Podcast","author_url":"http:\/\/www.seriouslythoughpodcast.com","html":"