The “Now and Then” Exercise That Creates Better Financial Decisions

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Without clear direction, every financial plan is both right and wrong at the same time.

In this episode, Tim steps away from the spreadsheets and market analysis to explain one of the most important exercises used in real financial planning conversations: defining what a wealthy life actually looks and feels like for you.

The “Now and Then” exercise helps uncover the goals, emotions, frustrations, and life outcomes sitting underneath money decisions. Without clear direction, every financial plan is both right and wrong at the same time.

This episode walks through:

 Why vague goals lead to weak financial plans  The questions good advisors ask before giving recommendations  How to define what you actually want life to feel like  Turning emotions into measurable goals  Breaking long-term outcomes into realistic yearly milestones 

Whether you’re starting financial planning for the first time, going through a major life transition, or simply feeling unsure about what comes next, this episode gives you a practical framework to think more clearly about your future.

If you have a question, suggestions, or a topic you would like us to cover, please send an email to: podcast@foxplan.nz

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The information shared on The Dollars & Sense Podcast is general in nature and does not consider your individual circumstances. Dollars & Sense exists purely for educational purposes and should not be relied upon to make an investment or financial decision. Tim Ellis (FSP778196) and Brodie Haggerty (FSP778174) are both Financial Advisers providing advice on behalf of FoxPlan Ltd. FoxPlan Ltd (FSP39630) is a licensed Financial Advice Provider. Important information can be found at www.foxplan.nz/disclosure