In this episode of ThimbleberryU, we dive into actionable strategies to make 2025 a banner year for financial growth. We focus on practical, often-overlooked habits that can help listeners tackle common hurdles in financial planning, like maximizing contributions, handling stock options, estate planning, and finding a healthier work-life balance.

Amy Walls begins by discussing the challenges of maximizing tax-advantaged contributions. She emphasizes the importance of building habits, likening it to brushing your teeth or exercising. A gradual increase—like raising 401(k) contributions by 1% each month—can make these adjustments manageable and sustainable. Small, consistent actions build financial momentum.

Next, we tackle stock options and RSUs, particularly for those in the tech sector. Amy recommends diversifying holdings to avoid placing all financial eggs in one basket. Planning how to reinvest proceeds from selling stock in advance can help manage the emotional hurdles of timing sales. She advises consulting trusted individuals with relevant experience and reframing decisions as part of a larger financial strategy.

For those with excess cash flow, Amy suggests breaking large decisions into smaller, less intimidating steps. Like planting a garden, starting small with investments and building over time allows for control and adaptability. Monthly transfers, for example, can help build confidence without feeling overwhelming.

Estate planning is another key area where procrastination reigns. Amy advises creating annual check-ins and starting small—like updating beneficiary designations—to make progress feel less daunting. Life changes happen frequently, making regular updates essential to ensure alignment with current goals.

We also explore the art of meaningful giving, whether to charities or family. Simplifying the process—such as focusing on a few causes or using donor-advised funds—can make giving more impactful and less stressful. Transparent family conversations around financial goals can further reduce misunderstandings.

Finally, we discuss achieving better work-life balance by prioritizing personal goals with the same importance as professional ones. Amy shares her own experience of scheduling personal tasks, like watering plants, alongside work obligations. She emphasizes making vacation planning and funding non-negotiable and leveraging delegation to minimize stress.

The overarching message is that financial success in 2025 depends on small, consistent changes, intentional planning, and balancing priorities. For personalized support, we encourage you to connect with Thimbleberry Financial, below.

To get in touch with Amy and her team at Thimbleberry Financial, call 503-610-6510 or visit thimbleberryfinancial.com.