How I Plan to Finish the Year Strong

by Henrik Bacilieri

It’s almost the end of 2015, and I’ve been reflecting a lot lately.

This time last year, I was still in Italy, trying to figure out what I was doing with my life. Still chasing old dreams. Still lost in the noise.

Fast forward 11 months—I’ve moved to the U.S., started learning about finance, began documenting my journey, and developed habits I never had before.

But I don’t want to coast into the new year.
I want to finish strong.

Here’s how I’m approaching the last stretch of 2015:

1. Reviewing My Financial Habits

I sat down and looked at every month since I arrived in Ohio.

What worked:

  • Building an emergency fund

  • Tracking every dollar

  • Saying “no” to what doesn’t fit the plan

What didn’t:

  • Inconsistent saving patterns

  • Getting lazy with tracking in October

  • Overthinking before taking action

I’m not judging myself. Just being honest.

2. Doubling Down on Simplicity

There’s a lot I want to learn—investing, crypto, credit, side income.

But right now, I’m focusing on mastering the basics:

  • Consistent budgeting

  • Spending only on needs

  • Adding value at work

  • Daily learning (books, videos, notes)

Mastery comes from repetition, not chasing a hundred things at once. I remind myself that the fundamentals compound, just like money does.

3. Reflecting, Not Regretting

This year wasn’t perfect. I’ve made mistakes. Took dumb risks. Wasted time.
But you know what? I also grew more than any year before it.

I’ve been:

  • More honest with myself

  • More focused on my future

  • More aware of my patterns

And that’s a win.

4. Creating a December Focus

I’m picking one theme for next month: Discipline.

Not perfection. Not hustle porn.

Just:

  • Show up

  • Do the work

  • Stick to the plan

  • Reflect often

If I can live that out until December 31st, I’ll walk into 2016 with momentum—not regret.

Let’s finish what we started.

Henrik Bacilieri

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