The Motivation Cliff

Month one of any new financial plan feels great. You're making changes, seeing immediate results, feeling in control. Month two, you're still riding the momentum. By month three, it starts to feel like work.

Why This Happens

Your brain is wired for novelty. New things feel exciting. Routine feels boring. This isn't a character flaw. It's just how humans work.

Strategies That Actually Work

Celebrate small wins. Visualize your debt-free date. Automate everything possible. Join a community. Zoom out and compare where you are now to where you started.

You're Closer Than You Think

If you're reading this in month four and feeling like quitting, that means you've already made it further than most.