Money loves speed.
The fastest way to lose money is to sit around waiting for the perfect time.
The idea is simple but confronting.
Decrease the time between having an idea and doing something about it. Not perfecting it. Not researching it to death. Not running it through five other people to see if it feels safe. Just doing something that moves it forward. Because while ambition loves momentum, procrastination loves comfort, and comfort is incredibly convincing.
As the year comes to a close, this becomes even more relevant. End-of-year reflection often turns into end-of-year rationalization. We tell ourselves that next year will be different, that January is when things will shift, that once the calendar resets, we will suddenly behave differently. But the truth is that next year rarely changes until we do, and waiting until January to act is often just another delay dressed up as intention.
Most people do not fail to achieve their goals because they lack ideas. They fail because they stretch the distance between thinking and doing until the energy disappears. Ideas rot when they sit untouched. Confidence fades when action is postponed. What starts as patience slowly turns into avoidance, and by the time the year ends, it is easy to look back and wonder where the momentum went.
Money, opportunity, and progress tend to reward people who move while things are still unclear.
That does not mean being reckless or impulsive, but it does mean being willing to act before certainty arrives. The people who create leverage in their careers and finances are rarely the ones with perfect plans. They are the ones who shorten the feedback loop and learn in real time instead of waiting for permission.
As you head into the new year, the most important question is not what goals you are setting, but how quickly you plan to act on them. How long will you let ideas sit before you test them? How long will you wait before you make the call, send the message, launch the thing, or have the conversation you already know you need to have?
Speed is not about rushing; it is about respecting your own ambition enough to move on it.
If you want next year to look different, the changes have to start sooner than you feel ready. They have to start in the quiet weeks when it is easy to say you will deal with it later. Momentum does not magically appear in January. It is built when you decide that waiting has cost you enough already.
The goal heading into the new year is not to do everything at once, but to stop letting time slip by between intention and action. Close that gap even slightly, and things begin to shift.
Money may love speed, but more importantly, so does progress, confidence, and the version of you that is tired of watching another year go by without fully honoring what you want to achieve.