Stop Waiting: Take Control of Your Finances Today and Build a $10K Emergency Fund in 6 Months
- waynegaustin
- Apr 28
- 3 min read
In a World Full of Information, Action is the Missing Ingredient
We live in a world where everything we could ever want to learn is right at our fingertips. Yet, having so much information has made it easier than ever to delay taking action on our goals.
Every new year, many of us set powerful intentions:
“I want to lose 10 pounds.”
“I want to save money to protect my family from life's unexpected events.” (In fact, 40% of Americans set a goal to save money every year!)
“I want to be more intentional with my relationships.”
These goals touch on our health, finances, and personal lives — some of the most important areas we care about.
But there’s a common pattern I’ve seen both personally and in the lives of people I’ve coached: we get stuck in the discovery phase.We research endlessly, trying to find the best method. We plan, read, watch videos — and in doing so, we convince ourselves we're making progress.But the truth is, we never start.
The Discovery Phase Trap
We tell ourselves we’ll begin once we have the perfect system.But life gets busy. Months pass by. And too often, we find ourselves in the same — or even worse — situation than when we started.
The real key isn’t perfect information.The real key is action.
Even if you start small, taking action creates momentum. It moves you closer to your goals. It breaks the cycle of inaction that keeps so many stuck year after year.
From Planning to $10,000
There have been many times I personally got stuck in the discovery phase instead of taking action.
When my wife and I first got married, we were dual income with no kids — what some call "DINKs" (Dual Income, No Kids). It was a great season of life, and we were able to pay off debt quickly.
But because we spent like we had endless income, we never actually built up any real savings.
Fast forward to when we were expecting our first baby. My wife wanted to stay home full-time — a dream we were both excited about. But that dream came with reality: dropping to one income, while facing the unpredictable expenses that come with having kids.
I knew we needed an emergency fund to protect our family. I made plan after plan, trying to fine-tune the perfect budget... but never took meaningful action. I kept asking:
Where can we cut more?
What’s the best way to save faster?
But after our baby arrived, I realized: planning wasn’t enough. We needed real results.
That’s when Wayne the Pizza Delivery Driver was born!I kept my full-time job and delivered pizzas in the evenings and on weekends.
We didn’t inflate our lifestyle. We stayed disciplined. And in just over 6 months, we saved over $10,000.
That emergency fund gave us incredible peace of mind. It allowed us to breathe again, knowing we could handle whatever life threw at us.Was it hard? Absolutely. But looking back, the extra work was 100% worth the security and freedom it gave our family.
How You Can Start Taking Action Today
The truth is, you don’t need the "perfect" plan to start changing your life. You just need to do something today that moves you in the right direction.
Here are simple actions you can take right now:
If saving money is your goal: Set up an automatic transfer to your savings account — even just $50 a month!
If paying off debt is your goal: Schedule an extra principal payment today, even if it’s small.
If you’re not sure where your money is going: Take 10 minutes right now to set up a simple budget.
The amount doesn’t matter. The size of the step doesn’t matter.What matters is building momentum.
Starting today will lead to life-changing results 6 to 12 months from now — results you may not even think are possible yet.
I'm Here to Help You Succeed
Your future self will thank you for the action you take today. You are capable of achieving more than you ever thought possible — and it all starts with one simple step forward.
If you’re not sure where to start, I’d love to help you!You can book a free, no-obligation consultation with me or simply send me an email with your questions.Sometimes, all it takes is a little guidance and encouragement to get moving in the right direction.
Don't wait for the "perfect" time — start today. You’ve got this, and I’m here cheering you on every step of the way!
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