Why You Should Also Plan for the Short Term — Especially When You Have Big Financial Goals

24 February 2026

I’m a long-distance runner. And if there’s one thing I’ve learned, it’s this: you don’t run a half marathon by simply putting on your shoes and setting off for 21 kilometers. Big goals require time, preparation and — above all — a lot of small steps.

Whenever I start a new training plan, that one question pops up again: “Will I actually be able to do this?”
The honest answer? I don’t know. Because just like with investing: past performance is no guarantee for the future.

Small steps make big financial goals achievable

To overcome that mental barrier, I break my goal into manageable segments: first 5 km, then 10 km, and only then the half marathon. I consciously celebrate every milestone.

Financial goals work the same way. A comfortable retirement or a dream trip often feels too far away. That’s why it works better to bring your goals closer and make them smaller. Two examples:

1: Smart pension building in your 20s

If you start saving early for later, don’t focus on turning 70. Focus on what you gain today:

  • Immediate tax benefits: You make use of your tax-advantaged contribution space and pay less tax now.
  • Compound interest: Your investments grow every year through the power of compounding.
  • Financial discipline: You build habits that benefit you for the rest of your life.

2: Saving for a sabbatical (the 7‑year plan)

Want to take six months off in seven years? Make it concrete:

  1. Calculate your target amount: What do you need for those six months?
  2. Start small: Begin with a monthly deposit that doesn’t hurt.
  3. Celebrate the halfway points: After one year, do you have enough for one month of freedom? Ask yourself:
    “If I could take one month off today, what would I do?”
    That question keeps motivation high.

Celebrate your financial milestones

Just like running, financial growth isn’t about one big moment. The foundation of success is built on the ‘small’ wins:

  • Your first €1,000 invested.
  • Your first full year of consistent contributions.
  • The first time you see your returns really grow.
  • Staying calm: The first year you don’t panic when the market temporarily drops.

Why a financial planner works like a running coach

Want to make it easier for yourself? A financial planner does for your money what a running coach does for your fitness.
Together we create a step-by-step plan, choose concrete goals, and evaluate your progress each year. It brings clarity, direction and — perhaps most importantly — motivation.

Conclusion

Whether you’re training for a half marathon, saving for a sabbatical or building wealth for the future: make it small, celebrate your progress and keep moving.
The biggest step is always the first one.

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