In this episode, I reflect on five things I did around five years ago that are paying off in a big way now — from scrappy investing beginnings to mindset shifts that changed everything. It's a reminder that small, imperfect actions compound over time in ways you simply can't see when you're in the thick of it.

Key takeaways:

• Starting to invest with just $5 a week can grow into something significant — consistency beats waiting for the "perfect" moment
• Paying off debt isn't just about clearing a balance; it builds the behavioural habits that fund every financial goal that comes after
• Delaying a lifestyle upgrade by even one or two years can mean making the move from a far stronger financial foundation
• Staying in a "comfortable" job can be just as costly as staying in a bad one 
• Letting go of a victim mindset around money (like "I just got unlucky") is what opens the door to actually changing your situation
• The hardest part of any financial goal is the early stages — but looking back is one of the best tools for staying motivated to keep going.