8. Navigating life changes

What’s your flight plan?

Change comes in many forms — sometimes life throws unforeseen events at us like an accident, a relationship breakdown or a job loss. Other changes are simply a part of life — like moving out, getting a job, and retiring.

When you can, having a plan always helps — it gives a sense of direction, calms your nerves, and helps guide you back when things go wrong. Think of a pilot’s
flight plan — setting the course and providing a mental and physical reminder of the many things within the pilot’s control.

But navigating through any major change will remind you of two things:

1. There are many things beyond your control

— even having the best money plan might not get you through it. That’s where anxiety and panic can set in — feeling like everything is out of control. If that happens, answer these three questions:

What have I got through before?

To remind you of your strengths.

For example: I’ve navigated a job loss before, I can do this.

What’s true about me right now?

To ground you in the present.

For example: I’ve got a roof over my head and food in the cupboard.

Who’s someone I care for or who cares for me?

To move you forward to the future.

For example: My partner loves me.

2. What is actually most important in your life

How similar is this for everyone else? Health and safety of friends, family, loved ones and your communities.