Doing so frequently requires us to give up enjoyable experiences today in order to live the life we want in the future. If you are struggling to keep your financial goals on track, the solution may not be more discipline or better spreadsheets. If it were in my power, what would I change right now to bring greater financial peace to my life? Three years from now, when I look back, how will I know I am making the financial progress I desire? Steven C. Merrell is a partner and managing director at Creative Planning (formerly known as Monterey Private Wealth).