My Financial Intentions for 2026

Hi Reader,

Welcome to The Money Series and if you are new here, thank you for signing up. Personal finance can feel confusing and overwhelming, but this space is about learning, growing, and figuring it out together, one money decision at a time.

Happy New Year! 🥳🎉

And just like that, 2026 is upon us! As always, I wish you a financially successful and stress-free 2026!

Towards the end of 2025, I found myself sitting with one question:

“What am I doing differently next year to achieve my money goals?”

Because if we’re being honest, progress doesn’t come from setting new goals alone, it comes from changing our behaviour.

In 2026, I’m making a few ‘unconventional’ money moves, and I want to share them with you. Not as a blueprint to copy, but as inspiration for you to decide on your own money moves this year and, if I’m being honest, to keep myself accountable too.

1. I’m Diversifying More, Intentionally

For a long time, I invested comfortably within my zone of familiarity: stocks (mostly through index funds) and private credit. Simple, straightforward, and time efficient. This year, I’m expanding the box.

I’ll be diversifying both across and within asset classes. That means allocating capital beyond just stocks and private credit into other asset types. Within equities, I’m moving from being heavily concentrated in index funds to also owning individual stocks.

The plan isn’t to abandon index funds (they’re still a core part of my portfolio) but to make room for conviction-based investing in companies I deeply understand, believe in, and am willing to hold for the long term.

Different assets perform differently in different economic seasons, and in 2026, I want to be prepared for more than one outcome.

2. I’m Turning Up My #1 Money Dial

If you’ve been reading for a while, you should be familiar with the concept of money dials. Financial goals shouldn’t be only about saving, investing, retirement, pensions, and all the “serious” stuff. Enjoying your money matters too.

This year, I plan to intentionally spend a few ££ on what I believe is my top money dial for this season of life. I’m choosing to lean into it, consciously and guilt-free, and by the end of the year, we’ll reflect together on how that decision played out.

3. I’m Investing Heavily in Knowledge

One of my favourite money moves going into 2026 is treating financial knowledge like an asset class.

That means investing in courses, webinars, audios, videos, and especially books on money and investing. I’ve already picked up a few hard-copy books, partly for the reading vibe, and partly to give my eyes (and brain) a break from screens.

Markets change. Products change. Trends change. But solid investing principles compound forever. When it comes to my finances, I’ll always choose depth over shortcuts. Fingers crossed the ROI on this investment in knowledge shows up clearly in my financial decisions this year.

So there you have it - the 3 unusual money moves I plan to make in 2026.

Why am I sharing these with you?

Because I’d like you to question your money moves this year and evaluate what you can do differently. Personal finance isn’t static. What made sense for you three years ago, or even last year, might not serve the next version of you.

You know this: You can’t keep doing things the same way and expect different results.

So, what’s changing for you? Do you have new plans for your money this year? I’d genuinely love to hear them - feel free to reply to this email.

Reflect on This:

• What money move feels slightly uncomfortable, but deeply aligned, for the next version of you?

Till next week, I am rooting for you, money-ly!

Dee         

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Disclaimer: This does not constitute financial advice. Please conduct your research or consult your financial advisor for important financial advice.