1. Teach the Difference: Start by explaining the difference between needs and wants. Use real-life scenarios, like grocery shopping, to show how choices can impact spending.

2. Make Money Choices Together: Involve your children in family financial decisions. When planning outings or purchases, discuss options, compare prices, and decide together.

3. Hands-On Saving: Set up a simple savings jar or account for your child. Encourage them to save a portion of any money they receive, like allowances or gifts.

4. Identify Unnecessary Expenses: When out shopping, help your child recognize when something is unnecessary. Discuss the value of saving for important goals instead.

5. Link Choices to Consequences: Discuss the consequences of different financial choices. For example, spending all their allowance at once means they won't have money for something they may want later.

The SMART acronym is a formula designed to make goals more attainable. Since your vision consists of goals, it’s the perfect place to start. In essence, SMART is the smartest way to make your goals tangible and easier to realize.

This challenge lays the foundation upon which the other six challenges will be built. It consists of two steps:

1. Make a list of the goals that make up your vision for the new year—your resolutions.

2. Apply the SMART formula to each goal or resolution.

Here are some of the things that you will discover in this life-transforming program:

• Understanding the stages of transformation, including self-awareness, self-acceptance, self-control, and self-actualization, and how they create a foundation for growth.

• Creating a clear and actionable roadmap for personal and professional success, including techniques like SWOT analysis, SMART goal setting, and progress measurement.

• Identifying and overcoming barriers such as fear, unhealthy cravings, and unrealistic expectations that hinder growth and success.

• Cultivating transformative daily habits, from mastering morning routines and practicing mindfulness to managing finances and decluttering for clarity.

• Mastering the art of calculated risk-taking to achieve significant outcomes while minimizing potential setbacks.