During this holiday season, it can be easy to forget that there are financial activities that we can do to set the groundwork for the year ahead. The life we want to live in 2026 is the life we prepare for now, in 2025. For this reason, I highly recommend doing a few winter activities to prepare your finances for the prosperous seasons ahead.

We have to remember that winter is the perfect season for strategizing and preparing. When many activities slow down or close due to the colder weather, we find ourselves indoors, with more time to work on activities we may have neglected when we were outside and living well. So during the winter, we can focus on our financial strategies, keeping in mind that we’re not focusing on speed. Rather, we’re building systems and protocols for financial strength, clarity, and structure.

To start, take a little (or maybe a lot of) time to audit without emotion. We need to take the time to look at our finances clearly, calmly and without shame. Remember, there is NO place for shame in our finances: we only need to focus on making great decisions moment by moment as we go forward. Auditing without emotion can help us identify money leaks, overspending patterns, weak systems and outdated obligations. Clarifying our money status is a beginning step for aligning with wealth.

Next, we need to fortify the essentials. This looks like laying the groundwork, and strengthening current frameworks, that support our financial ecosystem. This can include bolstering our emergency fund, reviewing and updating our insurances and other financial protection mechanisms, ensure that savings is automated, and clarify essential budget categories. Use this time to reinforce these financial containers before adding more money and more systems.

Then, we can turn our attention to reducing energetic drain. Remember that money follows energy. This is a good time to look back at the findings from the audit, and proceed to clean up whatever needs to be discarded. This is the time to cancel subscriptions, eliminate expenses that don’t serve us, cease engaging in any draining habits, and bring closure to any low quality commitments. The less noise we have, the more capacity we create. And capacity is needed before proceeding.

The next step is to clarify our priorities. I am a huge cheerleader for clarity: nothing fantastic can come from murky thoughts, so clarity is key when it comes to money. In the quiet of winter, we can hear our intuition clearly, and, using that intuition, we can align our actions and desires. At this phase, choose only 1 or 2 wealth priorities for the season. Too many priorities creates murkiness: 1 or 2 priorities is perfect for maintaining clarity. This also allows for precision that isn’t available when our energy and attention are split in too many directions.

Our next step is to prepare for spring expansion. While we enjoy and attune to winter’s energy, we also must keep in mind that these steps are our process to walk into spring confidently. Preparing for spring expansion includes steps like mapping out tax positioning in the upcoming year, pondering ideas regarding business structure or upgrades, pinpointing income goals, planning and structuring investment strategies, and identifying systems we will use for ease and expansion. A plain notebook for capturing all of these ideas and plans is all that’s needed to start.

The final step is probably my favorite, which is aligning the energy behind the numbers. This involves learning to regulate our nervous systems, honor our boundaries, and make decisions from clarity. Our mental state is where our financial reality begins, and we cannot create grounded wealth without grounded energy. Spend some time focusing on having the mental attitude of a financially successful person, and continue to align with this energy regularly.

Winter is a season of release and stillness, but it is not the death of our abundance. This season prepares us for sustainable prosperity. In this time, we can architect our next level with intention. We can build a life that our future selves can thrive inside, if we take the time to “winter” our finances.

If you need a quick reset for this winter season – something that will help you tap into the energy of the life you desire to lead – download the free booklet, the Sacred Winter Reset, and consider completing it before the end of the month. You’ll find some great tips in there, that will help tremendously with aligning with the energy of the season.

Thanks for reading and I’ll talk to you all soon!