When it comes to financial success, many people fall into the trap of waiting for the “perfect moment” to start. Perhaps you’ve found yourself thinking, “I’ll save when I earn more,” or “I’ll invest when the markets feel safer.” But here’s the truth: there’s rarely a perfect moment. Success isn’t about monumental leaps – it’s about small, consistent actions that build over time.
Author and coach Tony Robbins often emphasises the power of small steps, reminding us that tiny, intentional changes compound over time to create extraordinary results. And this is especially true in our financial lives. So, why do we so often underestimate the impact of starting small?
Why small steps matter
Imagine dropping a single R5 coin into a jar every day. On its own, it might seem trivial. But fast-forward a year, and that jar holds more than just coins – it’s proof of your discipline, commitment, and growth. Small actions have a way of accumulating – not just financially, but emotionally too. They build momentum, create habits, and, most importantly, shift how we view progress.
This concept is beautifully illustrated by the idea of compound interest. A modest savings habit, started early and sustained consistently, can grow exponentially over time. Yet, it’s not just about savings or investments. Small steps can be as simple as eliminating one unnecessary expense or automating a small amount to transfer into an investment account. Over time, these seemingly small steps lay the foundation for financial freedom.
Breaking the “All or Nothing” mindset
One of the biggest barriers to starting small is the belief that small isn’t enough. Unless we can save a significant amount or make a major financial move, it’s not worth it. This “all or nothing” mindset keeps so many of us stuck.
But the numbers tell a different story: what matters isn’t the size of the step – it’s the consistency with which it’s taken.
Transforming mindset through action
Starting small isn’t just about the numbers; it’s also about reshaping how you think. Each small win – whether it’s sticking to a budget for a week, rounding up your spending to invest the difference, or setting aside a little each month – reinforces the message: “I can do this.” This sense of accomplishment fuels motivation, creating a positive cycle that drives further progress.
These small actions also influence how we feel about money. They can shift us from a scarcity mindset to one of abundance and control. Instead of focusing on what is out of reach, we start to see what is possible. This shift in attitude is often the first step toward achieving bigger financial goals.
Start small, start today
The beauty of small steps is that you don’t have to wait. Think of one tiny financial change you could make today. Could you set up a small automated transfer to savings? Skip a daily coffee and put the money aside instead? Maybe it’s as simple as reviewing your subscriptions and cancelling one you no longer need.
The key is to begin. Because every small step, taken consistently, leads to bigger wins over time. Your financial freedom isn’t built on grand gestures or perfect timing – it’s built on the quiet, steady power of progress.
