By Tokiso ‘TKay’ Nthebe
Have you ever asked yourself, “Am I actually making progress with my money?”
If you are like many ambitious, smart individuals I work with, the honest answer might be “Not really.”
And you’re not alone.
After years of running financial wellness workshops, writing newsletters, and sharing financial tips on My Money Adventures Podcast on YouTube, I’ve noticed something troubling: while people are consuming more financial content than ever, only a small percentage are taking consistent action.
Reading isn’t enough. Planning isn’t enough. Action is everything!
Why We Struggle to Move Forward Financially
Many people delay taking action because they feel overwhelmed, fear making mistakes, or believe they need to learn just a little more before starting. But the truth is: waiting won’t change your situation.
How to Take the First Step
Here’s what I recommend:
- Stop consuming more content without action. Don’t hide behind “research.”
- Pick one action you can take today—even if it’s small:
- Set up a recurring debit order for your savings.
- Cancel that unused credit card.
- Make an appointment with a financial advisor.
What You Gain From Taking Action
- Financial Confidence – Small wins lead to bigger moves.
- Control Over Your Money – Clarity replaces anxiety.
- Freedom – With a solid financial foundation, you gain the freedom to make life choices on your own terms.
You don’t need to be perfect. You just need to start.
So, if you’ve been stuck in “learning mode,” let this be your sign. Get moving.
Your finances are waiting on YOU.
Ready to take the first step?
Book a 1-on-1 session or explore our tools to help you act with confidence.
Tokiso TKay Nthebe is an author, podcast host, financial coach and lead advisor at TKO Financial Wellness & Advisory who is passionate about financial wellness, education and financial planning.
For more visit www.tkofinancialwellness.com or email info@tkofinancialwellness.com
