The most important step someone can take to improve their financial well-being is simply taking the next small step. That next small step can be to finally create a budget to track your income and expenses better, increase your savings contributions, or schedule an appointment with a financial advisor to make sense of how to best save for various financial goals. Many influences or negative experiences in one’s life can paralyze oneself from making any decisions at all. But as the author Paulo Coelho once wrote in his popular book The Pilgrimage, “When in doubt, just take the next small step.” So, it is true that on a journey to reach one’s financial goals, just take the next small step today.