If you’ve ever told yourself, “I’ll start in January,” this episode is for you.

The end of the year can feel like the worst time to focus on your finances. Between the holidays, family expenses, and travel, it’s easy to push your goals aside and tell yourself you’ll start fresh later. But what if that mindset is the reason you’re stuck?

In this episode of Money Files, I’m introducing what I call The Five Figure Reinvention, your invitation to save or pay off $10,000 before the end of the year. This isn’t about restriction or deprivation. It’s about becoming the version of you who ends the year calm, confident, and in control.

You’ll learn how to stop postponing peace, avoid the “I’ll start Monday” trap, and create a simple system that helps you follow through. Whether your goal is to save $3,000 or pay off $10,000, this episode will show you how to use the next two months to change how you think, plan, and lead your money.

Listen in to learn:

[01:05] Why waiting for January keeps you stuck in the same cycle

[03:20] The emotional and financial cost of delaying your goals

[05:00] Why slow seasons are actually preparation seasons

[07:40] The three reasons to start your reinvention in November

[09:15] How the $10,000 challenge builds structure and proof

[10:40] The difference between restriction and reinvention

[12:10] How to build a system that fits your real life, not someone else’s

[13:30] The mindset shift from “I’ll start later” to “I’m already doing it”

Tune into this episode of Money Files to learn how to start your Five Figure Reinvention now, build momentum before January, and finally become the person who keeps her word to herself financially.

Get full show notes and the episode transcript: https://wealthovernow.com/the-five-figure-reinvention-reinvent-your-finances-before-january/

Links mentioned in this episode…

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