• Why retirement planning starts with Future You and the decisions you’re making today
• How to get your 'financial house' in order before thinking about retirement
• Understanding cashflow, income and 'open the front-door costs'
• How lifestyle creep can derail retirement plans
• The key decisions that shape retirement, including housing, surplus cashflow and super

• High school education costs — what families really pay under the public system, Catholic schools, and independent schools, and why high school is often where education becomes a meaningful cashflow decision.

• University costs and HECS-HELP — how much a typical degree costs, how the HECS system works, and the long-term impact of paying upfront versus carrying education debt.

• Helping the next generation — the role parents and grandparents often play in funding education, and how options like education bonds can provide a structured and intentional way to support future learning.

This episode is Part Two of our two-part goal-setting series for 2026, and it’s all about what happens after the inspiration fades. Last week, we talked about why goals matter, the psychology behind them, and how to get clear on what you want through things like vision boards and manifestation. This week, we move into the real work, which is how to stay on track.

Joined by my partner in crime, Helene Psarakis, we unpack the systems, structures and behaviours that actually help goals survive real life. We talk about why motivation isn’t enough, how habits and small steps create momentum, and why accountability can dramatically improve follow-through.

We also dive into the importance of recording and tracking your goals, the role automation can play in reducing friction, and how to set yourself up for consistency rather than perfection. Along the way, we bust the 21-day habit myth, share the research that really matters, and give you practical ways to put all of this into action.

And yes — we bring in a little pop culture fun with I’m So Excited by the Pointer Sisters, because that feeling of excitement doesn’t come from thinking about goals. It comes from knowing you’ve started.

• Why staying on track is harder than setting goals

• The psychology behind habits, small steps and consistency

• How recording and tracking goals increases follow-through

• Why accountability buddies work — and how to use them properly

• The truth about habit formation and the 21-day myth

• How automation removes friction and supports progress

• Practical ways to keep goals alive throughout the year

If you set goals for 2026 and want to actually achieve them, this episode will help you put the right structures in place — without pressure, guilt or unrealistic expectations.