When we first met John and Maria, they had done everything right. Decades of careful saving, steady investing, and sensible decisions. Yet when they finally retired, something unexpected happened — they couldn’t bring themselves to spend the money they’d worked so hard to build.
Even a short holiday felt like a guilty pleasure. Every time they considered a big trip or family experience, one of them would say, ‘Maybe next year — just in case.’ It wasn’t a lack of money holding them back; it was the lifelong habit of saving that was hard to unlearn.
That’s when we introduced the idea of a *Special Memories Fund* — a separate pool of money set aside purely for meaningful experiences. Once they saw it on paper, they felt permission to enjoy life now, not someday.
Why Create a Special Memories Fund
Retirement isn’t just about security — it’s about living with intention. A dedicated fund helps you separate the essentials from the special moments, making it easier to spend without guilt or second-guessing.
Defining What Matters Most
Think about the memories you want to make: family holidays, a milestone celebration, or time away together. These are the stories you’ll remember, not the balance on a statement.
How It Works
Set aside an amount — perhaps covering five years of experiences — and keep it distinct from your regular income. That separation creates clarity. You can spend freely within it, knowing your lifestyle and long-term plans are still on track.
The Real Benefit
The Special Memories Fund isn’t about indulgence; it’s about purpose. It shifts the mindset from preserving wealth to using it wisely — turning numbers into memories, and plans into moments that matter.
Final Thought
Money’s greatest value lies in the life it enables. A Special Memories Fund helps you spend with purpose and create experiences that outlast markets or milestones.
At Harvest Wealth, we help you align your finances with what feels right for you — simple, steady, personal.