Home » What Will Your Future Self Thank You For?

What Will Your Future Self Thank You For?

by MarketMillion

Have you ever stopped to think about your future self—what you’ll be doing, how you’ll feel, and whether you’ll be thankful for the decisions you’re making today?

As the founder of COPIA Wealth Management & Insurance Services, I’ve made it my life’s work to help people plan for their financial future with clarity and confidence. One of the most powerful questions I ask my clients is: “What will your future self thank you for?”

It’s something I encourage everyone to reflect on, because so much of our financial journey is about preparation. And the sooner we start planning—especially when it comes to retirement—the more peace of mind we create, and the more grateful our future selves will be.

The Power of Starting TodaySmall Steps, Big Rewards

You don’t need to have millions in the bank to begin planning for retirement. What matters most is starting. Whether you’re in your 20s or your 50s, the earlier you take action, the more opportunities you have to build wealth, reduce risk, and create peace of mind for your future.

One of the most common things I hear from people nearing retirement is: “I wish I had started saving earlier.” Even putting away a modest amount consistently—say $200 a month—can grow significantly over time, especially with the power of compound interest working in your favor.

Time Is One Resource You Can’t Reclaim

You can always earn more money, but you can’t get back lost time. Every day you delay planning is a day of potential growth lost. The good news is that it’s never too late to start, but the earlier you do, the more options you’ll have.

I always tell my clients: “Imagine how you’ll feel 20 or 30 years from now, knowing you had the foresight and discipline to make your financial well-being a priority.”

Regret Is Avoidable: Common Regrets I See

In my experience, here are some of the most common regrets people share with me:

  • Not saving early enough
  • Relying solely on a 401(k)
  • Underestimating healthcare costs in retirement
  • Not having a tax strategy
  • Living beyond their means

These are all things that can be addressed through education, planning, and accountability. If you’re already thinking, “That sounds like me,” I want you to know that you’re not alone—and you can change your path starting today.

What Happens When You Don’t Plan?

When people avoid retirement planning, they often find themselves working longer than they want to, feeling anxious about running out of money, or having to depend on others later in life. This can take a serious emotional toll.

The truth is, retirement should be a time of freedom, not fear. But without a clear plan, people often face difficult choices that could have been avoided with just a bit of preparation.

Envisioning the Life You Want

Defining Success for Your Future Self

Everyone’s vision for retirement is different. For some, it means traveling the world. For others, it’s spending more time with grandchildren or finally pursuing a passion project. Whatever your dream is, you need a roadmap to get there.

At COPIA Wealth, we take a personalized approach to retirement planning. We talk about your goals, your lifestyle, and what’s most important to you. Then we build a strategy to help you live that life—with confidence.

Building Confidence Through Clarity

A big part of financial peace comes from clarity. When you have a plan that’s tailored to your needs, you can make decisions more confidently. You know what your income sources will be, how your investments are working for you, and how much flexibility you have for the things you enjoy.

It’s not just about money—it’s about freedom, choices, and security.

Actions You Can Take Today

If you’re reading this and feeling unsure about your future, take heart—there are things you can do right now to set yourself on the right path. Here are a few:

1. Get Clear on Your Current Financial Picture

Start by reviewing where you are today. How much have you saved? What’s your debt situation? Do you have insurance or an estate plan in place? Knowing where you stand is the first step in building your future.

2. Set Meaningful Goals

Think about what you want your retirement to look like. Don’t just think in terms of numbers—think about lifestyle, location, and the people you want around you. Then we can work together to reverse-engineer a plan to get there.

3. Prioritize Saving and Investing

Even if you can only contribute a small amount now, get in the habit of saving and investing consistently. Automate contributions if you can, and make sure you’re using tax-advantaged accounts like IRAs and Roth IRAs when appropriate.

4. Plan for Taxes and Healthcare Costs

Two of the biggest expenses in retirement are taxes and healthcare. It’s so important to plan ahead for these. At COPIA, we integrate tax strategies into our planning process and help you forecast what your healthcare costs might look like—so you’re not caught off guard later.

5. Work with a Fiduciary Advisor

There’s no need to navigate all of this on your own. As a fiduciary financial advisor, I’m legally and ethically committed to putting your best interests first. I see myself as your partner, guide, and advocate—someone who’s here to help you make smart decisions and avoid costly mistakes.

A Message from Your Future Self

Imagine a version of yourself 20 years from now. What would they say to you today?

Would they thank you for taking that first step? For being proactive instead of reactive? For creating a plan that gave you freedom, peace of mind, and the life you truly wanted?

I hope the answer is yes. Because the choices you make today shape the life you’ll live tomorrow.

Final Thoughts: Let’s Make the Future Brighter Together

It’s easy to put off retirement planning because life gets busy. But time keeps moving, and your future is too important to leave to chance.

If you’re ready to get serious about your financial future—or even if you just want to explore your options—I invite you to reach out. Let’s have a conversation about what matters to you and how we can make those dreams a reality.

Because one day, your future self will either feel grateful… or regretful.

Let’s make sure it’s the former.

Warmly,
Elisabeth Dawson

CA LIC #0C71264, #0G81294
Investment advice offered through Copia Wealth Management Advisors, Inc.
Copia Wealth Management Advisors, Inc. is a registered investment advisor.

Related Posts

MarketMillion is an online webpage that provides business news, tech, telecom, digital marketing, auto news, and website reviews around World.

Contact us: [email protected]

@2022 – MarketMillion. All Right Reserved. Designed by Techager Team