What If YOU'RE the Reason Nothing's Getting Done?

Hey family, Michael here…

What If You're the Reason Nothing's Getting Done?

I know that's uncomfortable to hear. But stay with me.

I talk to families every week who know they need a plan.

But here's the funny thing:

→ They already know what they need (or think they do). 
→ They already have a plan, created 5+ years ago (no revisions since). 
→ They're waiting for the "right moment" or hoping to find pro-bono help. 
→ They say everything is too expensive, except their $5 daily cup of coffee.

And yet… nothing happens.

Not because they don't care.

But because someone in the family won't make the decision.

(First time touching snow 2 weeks ago. I could've watched videos about it forever. But nothing compares to actually feeling it. Same with your family's plan.)

The Bottleneck Isn't Always the One Carrying Everything

Sometimes the bottleneck is the one who keeps saying:

→ "We'll get to it later." 
→ "We don't need that right now." 
→ "Let me think about it." 
→ "I'm not ready."

And because they won't decide, everything stays stuck.

The life insurance doesn't get bought.
The trust doesn't get funded.
The beneficiaries don't get updated.
The plan stays in someone's head instead of on paper.

Waiting feels safe. But it's not.

Waiting is just being the bottleneck.

Why Do We Do This?

I get it.

Making these decisions is hard.

It forces you to think about things you don't want to think about:

What if I'm not here? What happens to my child? What if I make the wrong choice?

So you wait.

→ You tell yourself you need more information.
→ You tell yourself you'll do it next month.
→ You tell yourself it's not the right time.

But here's the truth:

There's never a "right time" to plan for the worst.

And every month you wait is another month your family is unprotected.

The Cost of Being the Bottleneck

I've seen what happens when families wait too long.

→ A parent gets sick, and there's no disability coverage.
→ A parent passes away, and the life insurance wasn't set up correctly, disqualifying their child from benefits.
→ A parent is suddenly gone, and no one knows the plan because it was never written down.

The bottleneck is gone. And so is the plan.

That's not a legacy. That's a mess.

And it didn't have to be that way.

What If You Just Made ONE Decision?

I'm not asking you to figure out everything today.

But what if you stopped being the bottleneck on ONE thing?

→ Schedule the call you've been putting off.
→ Update the beneficiary form that's been sitting in your inbox.
→ Tell your spouse: "Let's make this decision by the end of the month."

Just one thing.

Because progress beats perfection.

And a plan that's 50% done is infinitely better than a plan that's 0% done.

So this week, ask yourself:

Am I the bottleneck?

Am I the one stopping my family's plan from moving forward?

If the answer is yes… maybe it's time to get out of the way.

One decision at a time.

P.S. If you've been putting off your coverage review, stop waiting. I'm booking free 15-minute calls for January. [Schedule yours here]. let's get your plan unstuck.

P.P.S. Know someone who's been "thinking about it" for months? Forward this to them. Sometimes we all need a push.

Verse of the Week:

"There is a time for everything, and a season for every activity under the heavens."

— Ecclesiastes 3:1 (NIV)

Disclaimer: This content is for general educational purposes only and is not a substitute for clinical, medical, financial, tax, or legal advice. Please consult licensed professionals who understand your individual situation.