Money Momentum: How Today's Small Actions Create Tomorrow's Big Wins
The gap between where you are financially and where you want to be isn't closed by perfect timing—it's closed by consistent action. Here's how to build unstoppable money momentum.
Lessons from a $20 Stock Purchase
A few years ago, I bought $20 worth of a stock I thought would make a comeback. It was a company that I used and that was a rooting for. I tend to root for the underdog, which isn’t a strong investing strategy.
But that $20 did teach me about myself as an investor and a person. I love underdogs and will never stop rooting for them but I don’t have to use my money to cheer them on.
I learned how to read charts, what a P/E ratio means, how emotions play into investment decisions. Most importantly, I learned that I don't have to wait until I have $100,000 to start practicing with my money.
That's the power of money momentum—small actions today create the knowledge and confidence for bigger actions tomorrow.
Why "Someday" Never Comes
How many times have you said:
"I'll start investing when I have more money"
"I'll create a budget when things settle down"
"I'll look into that financial goal next month"
Here's what I've learned from working with hundreds of women: Someday isn't a day of the week.
But Monday is. Tuesday is. Today is.
The women who achieve their Big Financial Goals don't wait for perfect timing. They take imperfect action and build momentum along the way.
The Momentum-Building Formula
Clarity + Confidence + Community = Unstoppable Money Momentum
Clarity: Know Where You're Going
You can't build momentum without direction. That's why your first step is always getting clear on your Big Financial Goal.
Use this framework: "By [specific date], I am financially [independent, free, stable], meaning [what this looks like in real life]. This includes [specific number/milestone]."
Post it somewhere you'll see it daily. Your bathroom mirror, computer monitor, phone wallpaper—wherever works for you.
Confidence: Start Where You Are
Confidence isn't built by knowing everything—it's built by doing something.
This week, pick ONE of these momentum-builders:
For the Beginner:
Open a High Yield Savings Account
Download a budgeting app and connect one account
Read one article about a financial topic you're curious about
Calculate your net worth (assets minus debts)
For the Intermediate:
Increase your 401k contribution by 1%
Schedule a meeting with a financial professional
Research that financial term you’ve heard a few times but don’t understand
Have one specific money conversation with your partner
For the Advanced:
Research one new investment strategy
Evaluate your insurance coverage
Create or update your estate planning documents
Set up a side hustle income stream
The goal isn't to do everything—it's to do something consistently.
Community: You're Not Meant to Do This Alone
Every successful person you admire had people supporting them. Your financial journey deserves the same.
Build your financial support system:
Find Your Financial Friends: People who celebrate your money wins without feeling threatened. They understand this isn't a competition.
Identify Your Money Mentors: Look for someone 5-10 years ahead of you who's achieved something you're working toward. Ask thoughtful questions about their journey.
Connect With Specialists: As your goals get bigger, you'll need professional help. Start building relationships with financial advisors, CPAs, estate planning attorneys, or business coaches.
Become a Money Mentor: Help someone who's a few steps behind you. Teaching others reinforces your own learning.
The Real Secret to Money Momentum
Here's what nobody tells you: The path to your financial goals isn't a straight line.
You'll try things that don't work. You'll make mistakes. You'll have setbacks. That's not failure—that's learning.
I've owned rental properties for years, but I still made mistakes with tenant agreements. I've invested in the stock market, but my root for the underdog strategy on individual stocks doesn’t deliver. I've built multiple businesses, but not all of them succeeded.
Each "failure" taught me something valuable. Each small action built momentum for the next bigger action. It makes me the perfect unicorn for what’s next.
The Momentum Multiplier Effect
Here's the beautiful thing about money momentum: Small actions compound.
The woman who starts investing $25/month learns the process and gradually increases her contributions. The woman who tracks expenses for a week discovers spending patterns and optimizes her budget. The woman who has one money conversation with her partner builds communication skills for bigger financial decisions.
Each action builds knowledge, confidence, and momentum for the next action.
Your Next Right Step
Money momentum starts with one decision: to begin.
Not to be perfect. Not to have all the answers. Not to wait for the right time.
Just to begin.
What's one financial action you'll take this week? Choose something small, specific, and achievable. Then do it.
Remember: Discussion is valuable, but action builds wealth.
Your financially confident future self is waiting. She's not waiting for perfect timing or perfect knowledge. She's waiting for you to take the first step.
Ready to build serious money momentum? Join The Pledgettes Accountability League (PAL). It’s our 12-week small group program that provides accountability, camaraderie, and clarity! You belong!
