It’s wild how fast a year goes by, and when you finally look back, the gap between what you meant to do and what actually happened is bigger than anticipated. The trick is that most financial progress relies less on skill and more on removing willpower from the equation.

In this episode of Real Personal Finance, Scott and Nick sit down to talk through the small systems that can move your money in the right direction, even on the busiest weeks.

They walk through the everyday automations that meaningfully change how much you save, how smoothly cash flows through your accounts, and how confidently you can stick to your plan. 

Key topics:

• How setting contributions as a percentage keeps your 401(k) aligned with future raises
• Why automated brokerage transfers turn good intentions into actual investments
• A simple bank-flow setup that keeps spending predictable and stress-free
• How automation supports higher earners with RSUs, taxes, and rebalancing
• Why “what gets automated gets done” becomes your biggest financial advantage

Curious about your retirement savings? Our How Much Do I Need To Retire? quiz gives you an idea of where you stand and a starting point to think about your long-term planning.

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Ready to learn more? 

• Scott Frank on LinkedIn 
• Stone Steps Financial 
• Nick Covyeau
• Swell Financial

Leave us a question! 

Money can be confusing, but it doesn’t have to be. When you’re able to understand the complexities, you can make better decisions to improve your daily life. Connect with us at Stone Steps Financial.