I have various other business interests, I am managing a personal property development, recovering from recent back surgery whilst continuing to feed my thirst for sport, as well as and making time for my partner and family and friends…

A few “balls in the air”, you might say? But I don’t want any sympathy. I would not have it any other way, because I have a plan!

Many people in their 30’s can relate to this picture to some degree. Now is the time when opportunities are ripe and chances are there to be taken. They are not always financial either. Take out the surgery and throw in some kids perhaps…

The craziest thing of all is that most people in this life stage – what I would call ‘accumulators’ – will juggle all this without a plan, a goal or objective; a clear vision as to why they are doing what they do.

Without a plan, the mind is clouded and it’s hard to know which “ball” needs to be caught and thrown back in the air next. You are flying blind and stress usually follows. And no one likes stress…

So, how do you create a plan? Start with a blank piece of paper and start from the beginning –

• Where are you now?
• Where do you want to be and when?
• What does success look like to you, financial and lifestyle?
• Finally, begin to develop the small steps that will see you on the journey (time management is critical).

Your plan will be applicable to you and no one else. It might include –

• Buying a home/repaying your home loan
• Starting a family
• Creating an investment strategy. A share portfolio perhaps?
• Planning for a holiday and how it’s to be funded
• Finding time for a hobby or passion
• Making time for family and friends
• Getting enough sleep (ok, this is one of mine)

A good plan is just like road map. If you know exactly where you are going, often you can relax and enjoy the ride.