Three Tools to Plan and Direct Your Future

Three Tools to Plan and Direct Your Future

How often do you think about your future? Do you regularly dream and talk about your goals with your spouse, friends, and family? Taking time to direct your future is a healthy thing to practice!

So often we remain stuck in the present. We go to work, come from work, and then go to work again. We live for the weekend and don’t take much time to dream and plan for the future.

When I retired a couple of years ago, I had no idea that my life would change as much as it did. I had made it – retirement!!! – that long-sought freedom! Yet, I was bored and unhappy. So I started thinking about where I wanted to be in five years.

Now I am managing multiple businesses.

To keep yourself on a healthy track – and to continually think and direct your future – try using these three tools.


Three Tools to Plan and Direct Your Future


1. Bucket List

At the end of your life, or when you do finally retire, you don’t want to be full of regrets. It is so much better to plan and prepare – to be proactive today by coming up with a list of things you want to do and accomplish.

This list can include anything: fill a journal, climb Mt. Everest, harvest a garden, visit Australia.

No matter how big or small, write it down. (In fact, it’s a good idea to include a few small things to check off easily.) Keep this bucket list somewhere you’ll look at regularly, like the driver’s seat dashboard, your nightstand, or even the bathroom mirror.

Keeping this list accessible will continually motivate you to work these goals into your life. Plus, you won’t reach old age and wish you had accomplished more or done adventurous things. You’ll have done them!


2. Personal Goals

In a way, we attempt personal goals every year starting January 1st. We like to call them resolutions. But resolutions have sadly become a national joke. We laugh because we fail, or we laugh because we didn’t even begin.

So instead of waiting until January 1st, find a time that works for you. Your personal goals don’t have to be year-long resolutions – they can last six-months or one month.

Write your personal goals down someplace you’ll see them at least once a day. Practice your growth step daily for your decided time limit. Then, when you feel your goal has become habitual, choose another step to work on for the next time period.

One month you could practice drinking enough water every day, and the next you could begin eliminating soda. The key is to always keep practicing what you habitually began the month before. For example, don’t quit drinking enough water just because you’re now eliminating soda. Drink enough water AND eliminate soda. Always keep building.

Eventually, these practices will become permanent habits.


3. The Five-Year Plan

The infamous five-year plan is surprisingly relevant. High school and college graduates feel a little overwhelmed with this idea because there is still so much change headed their way. But developing a five-year plan is especially helpful when you are settling into your first job or have been settled for decades.

Why? Because we always need to be open to change.

Your five-year plan doesn’t need to be extravagant or incredibly detailed. But taking the time to dream, plan, and write those plans down is so beneficial.

My own plan looks like getting my businesses to a point where they are self-sustaining in the next five years. But for others, this can look like starting a family in the next seven years. Or writing a novel in the next two years. Look at your life in a yearly scale and figure out where you’re going. Do you like the direction? If not, change it.


Remember, you are in control here. Don’t allow life to pass you by without taking the time to dream and plan. When you reach retirement, you won’t find yourself bored and unhappy. You will have planned this moment – and hopefully you’ll still be planning the next five years.

What’s something you hope to do or accomplish this year? How do you hope to grow this month? Share with me in the comments! 

Billy Epperhart
Billy Epperhart
  • Liz Huth
    Posted at 06:11h, 13 April Reply

    I recently found a list I had made several years ago and realized God had fulfilled almost everything. I had kept it in a bible as a bookmark.

  • King Adebola
    Posted at 06:36h, 13 April Reply

    Very encouraging! thank you

    • Billy Epperhart
      Posted at 16:23h, 13 April Reply

      You’re welcome!

  • Trent
    Posted at 04:05h, 14 April Reply

    Thank you Billy. Your book Money Mastery was key for me and a critical stepping point for me to move in a different direction with my career and finances. I am now taking classes on investing. I greatly appreciate how practical your book was and that you openly shared the resources/books you used and helped you. I’m excited about the future you have helped me envision!

    • Billy Epperhart
      Posted at 10:50h, 17 April Reply

      I am glad it has helped you transform your life! Best of luck

  • Simone H
    Posted at 16:38h, 14 April Reply

    I so appreciate your posts!

    I’m in a transition period at the moment. Just about to complete a doctorate and am contemplating next steps. I had started to develop a business, and had been working on a book manuscript, but wasn’t seeing the value in doing either.

    I think the 5-year plan is what I need. Perhaps meeting specific goals can rebuild some confidence.

    • Billy Epperhart
      Posted at 10:49h, 17 April Reply

      Meeting goals, no matter how small, does wonders for building confidence and getting you ready to tackle the next, possibly bigger, goal.

  • Miriam Martinez
    Posted at 13:44h, 16 April Reply

    How to approach you spouse about start a business
    Every time I do his answers is God has not talked to him about

    • Billy Epperhart
      Posted at 11:05h, 11 December Reply

      Hi Miriam! Thanks for your comment. Amos 3:3 says “how can two walk together except they be agreed?” so it’s very important that you have your spouse with you in the process of making decisions within your household. There are ways that you could invest or learn on your own but when it comes to the joint resources of you and your husband you would need agreement from him in order to be able to invest. But it doesn’t stop you from learning how to invest or meeting other people that can help you. You can pray that God would open your husband’s mind to the idea and help him in his understanding of what you’d like to accomplish. God bless you!

  • Ryan Haley
    Posted at 21:22h, 16 April Reply

    Finish preparation for launch of my podcast on Business Prayer Testimonies of God’s miraculous provision and Grace in the marketplace. There’s always a spot for you, Billy!

    • Billy Epperhart
      Posted at 10:48h, 17 April Reply

      I’ll keep that in mind, thank you! Best of luck with that podcast!

  • Joseph Barlow
    Posted at 06:11h, 17 April Reply

    Very encouraging article. We all need to hear these teachings again and again.

    • Billy Epperhart
      Posted at 10:47h, 17 April Reply

      Agreed! Sometimes, you need to hear things over and over again to be prepared.

  • Deon Malherbe
    Posted at 01:06h, 01 June Reply

    Time to build that picture of hope, time to run with this confident expectation of good! Thanks Billy…

  • Karin Hockman
    Posted at 19:28h, 01 June Reply

    Thank you for the article. I would love to get my business off the ground! It seems like I’m going in circles and hitting road blocks, but this is the year I will make it happen. Thank you for your advice!

    • Billy Epperhart
      Posted at 10:19h, 02 June Reply

      Hi Karin! Always remember to believe in yourself and in your business. There is also other articles that might help you on my blog, like The Secret Key to a Successful Business: Know Yourself and 18 Questions to Get You Started Developing Your Business Plan. I hope I can keep helping and motivating you to follow your dream.

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