Now that you’ve explored your money and time, let’s take a moment to imagine what’s possible. Scenario Planning is where we test ideas and explore creative solutions to align your resources with your career goals.

Change can feel overwhelming, especially when you’re unsure how to balance everything. You might worry about cutting costs, making sacrifices, or finding the time to pursue something new. But the truth is, there is rarely a “perfect” scenario—but there are always options. And the reality is, everything can be adjusted - sometimes with small, intentional shifts, and other times with bold lifechanging changes!

The key is to explore possibilities with curiosity and creativity, without immediately shutting them down.

For example, if money feels tight, could you move to a more affordable area, rent out a spare room or take on a side hustle? If time is your challenge, could you negotiate flexible working hours, hire a cleaner, or block off specific times for your priorities?

It’s also important to consider how changes in one area can impact others. Moving to save money might result in time lost commuting. Reducing work hours might give you space for a passion project but may require tighter budgeting. By thinking through these scenarios, you’ll gain clarity on what matters most to you and and where you’re willing to compromise.

This is your opportunity to play with possibilities!

How to do it   

Consider the following scenarios and your willingness to make changes based on what you want more of.

Use the guiding questions below to brainstorm creative solutions.

Reflect on what excites you, what concerns you, and what you would need to make these changes happen.

MONEY

Are you comfortable with:

• No savings

• Minimum amount of savings? If so, how much and what would it be for?

Are you comfortable with debt? Or taking on debt? If so, could you leverage your relationships or existing debt if needed?

• Borrowing from your parents, friends or relatives

• Remortgaging your home

• Taking out a personal or business loan

Where do you live? How comfortable are you with making changes such as:

• Moving to a cheaper suburb

• Renting out a room

• Renting a cheaper home

• Moving back in with your parents

How could you make more money?

• Work an extra day

• Get an after hours job

• Drive an uber

• Rent out your car

• Airbnb your house / room

• Declutter and sell unneeded items

• Seek a financial adviser to help you consider other investments

TIME

In a week, how much time do you want for specific activities, and what changes might you need to make to help you prioritise?

• Exercise

• Sleep

• Family and friends

• Downtime / ‘Me’ time

• Pursuing other projects / creative ideas

• Study

• Work

• Other

How could you create more time for yourself?

• Negotiate remote work or flexible schedules with work e.g., change the hours you work

• Work 5 days in 4

• Drop a day of work

• Get a cleaner

• Get a nanny

• Hire a personal assistant

• Outsource other time consuming activities

• Block out your calendar for specific activities and make it known with the people who need to know.

Reflections  

• How did you feel exploring these scenarios? Did any ideas surprise or excite you?

• Were there any scenarios you immediately dismissed? Why? Could you reconsider them with a different perspective? For example, if your company does not support flexible working arrangements, could you look for a new job with an organisation that does?

• Have you seen creative solutions from others that you could adapt to your life? For example, Steve Jobs’ minimalist wardrobe to save decision-making time or remote work setups that reduce commuting hours.

• Take your favourite ideas from this exercise and consider small actions you can try in the short term. Remember, this isn’t about committing to drastic changes right away - it’s about seeing what’s possible and finding steps that feel achievable for you.

Up Next: Saboteurs Assessment