One of my favourite sayings is “Begin with the end in mind”, that of course comes from Steven Covey’s book 7 habits of highly effective people. In the context of investing that statement translates to “start well, finish well”.

Fundamental to this approach is to have a clear vision and direction and go on from there. Most planners start with where are you now, where do you want to be, and the plan reveals how you’ll get there. But what if you could put money on autopilot with a bit of forward planning?

Would that make the “getting there” so much easier?

Would this be really valuable to you?

I humbly suggest putting your money on autopilot is the true value of a financial plan. However, before you get to your happy place, the coveted “financial freedom”, there are a few steps to get to the prize.

When considering your financial journey, one of the key steps in our advice process is to analyse what’s getting in your way. Whilst there is a range of things that can be getting in your way, like having a poor investment strategy and process, and missing strategic opportunities, often it’s the behavioural aspects that are sleepers and causing the most harm, from an achievement of your goals and objectives perspective. Meaning, you won’t stick to the plan, your habits will get in the way.


Read the full blog below or if you prefer check out our short 3 part video series on our YouTube Channel, here:


What’s the benefit of putting money on autopilot?

It will save you time, effort and energy in the long-term. You can develop your own investment strategy that aligns with your money values “identity”, and then put in place a couple of maintenance tasks each year, spending most of your time doing and being who you want to be. More time to create, develop your lifestyle centered business, time to be at school for the children, date night, achieve your personal health and wellbeing goals, giving back to the community, the list goes on…. You decide. Sounds ideal doesn’t it!

More time being present for yourself, to spend doing the things you love, being with your loved ones giving and sharing and feeling happy and fulfilled; instead of focusing on and being motivated by money and working to earn it. So how do you get started you ask…?

Part of your identity is the stories you tell yourself and the habits you form around those stories. Such as:

“I am not a saver” or

“superannuation is confusing” or

“I don’t know anything about investing” or

“you’ll lose all your money investing in shares” or

“investing in property is too risky” or

“I’m not unique or good enough, I am flawed, I am a failure”.


In order to build the right systems and processes for you to succeed financially and move to money on autopilot, you must understand your money identity.

Once you acknowledge and articulate your thoughts, you’ll get to know the facts about your behavior, you can then be specific about actions to take to develop new money habits.

It’s this process of developing new money habits, that ultimately gets you on track and keeps you there. Habits are actions you do automatically, that is autopilot.

You can have all the motivation in the world, but without a plan and taking action on it you won’t succeed in your quest to win the prize – that is, financial freedom. Therefore, you have to live the values of your plan, get clarity, release mental blocks and negative emotional patterns, to overcome doubt fear and procrastination and build confidence to realise your goals and grasp the prize.

Here’s some examples if you’re an entrepreneur:

What you tell yourself Switch the self-talk to Action l New habit
“I am not a saver” “I like to build things, saving money is building wealth, I will be financially free if I save, I will save money from the weekly income I pay myself before I spend” Put in place a regular savings plan
“Superannuation is confusing” “I like to grow things, superannuation is contributing money to grow my retirement savings, I will be financially secure in retirement if I save money regularly, I will contribute money monthly from my business payroll” Put in place regular contributions via payroll
“Investing in shares and property is too risky” “I like to minimize risk, diversifying my investments reduces my risk of losing money, I will spread my investments” Speak to a financial adviser to plan for and buy a properly diversified investment portfolio


Other things we tell ourselves that simply aren’t true, like:

  • we can have it “all or nothing”; or
  • “when I get to that day, I’ll do something special for my partner”, but that day never comes – we’ve deferred happiness and haven’t enjoyed the journey; or
  • I failed because “I didn’t get 5 new clients this month”, when you got 4 higher paying clients.

Understanding your ways of thinking and doing can release the true power of money on autopilot. Entrepreneurs who focus on money alone to the detriment of everything else will only ever be mediocre, because if they think “it didn’t work out”, they’ll give up.

Whereas, if you understand who you are and put systems in place, the outcome will take care of itself; and it will be a smoother ride. By reinforcing the new habits with your actions, you are systemizing and performing on autopilot.

When it comes to investing, and perhaps superannuation if you self-manage, you’ll potentially need more help to understand and learn the concepts, put together a plan and action steps.


Where to start?

  1. What are your beliefs?
  2. Create new stories, habits and take action steps needed to correct your money mindset.
  3. Revisit The Six Steps to Successful Investment Series
    1. Accept the price
    2. Beware Market Gurus
    3. Control your costs
    4. Spread your risk
    5. Be disciplined
    6. Stay balanced
  4. Speak to a financial adviser to develop your own bespoke investment strategy and plan that aligns to your money identity.

The planning process will help you clarify what the prize is for you, and then you can calculate what you need to do from a money standpoint to win said prize, take the necessary actions to get your money on autopilot, set it all up, then forget about it until review time. Small consistent actions make you a winner! Less money worries, more time for the things you love.

Starting well with these steps to develop your own investment strategy will mean that you’ll finish well. The End.

Not quite. You need to be flexible in your thinking and adapt to change as time progresses.

Thank you to my friend and coach Sam, for helping me to expand my mind on the interconnectivity of identity, using the subconscious mind to do the heavy lifting and to upgrade your personal systems to inspire, manage and execute actions.


If you’d like to discuss developing your personal investment strategy or finances generally, book in for an obligation free 20 minute discovery call with me, call 0403 026 800 or email We’ll set aside some time, and we’d love to answer any questions you have. No pressure whatsoever, let’s see if we are a good fit and if there is a basis for us to work together.




This represents general information only. Before making any financial or investment decisions, we recommend you consult a financial planner to take into account your personal investment objectives, financial situation and individual needs.




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