The Quiet Before 2026

We’re in the final 24 hours of 2025.

The markets have gone quiet. The out-of-office replies are humming. And the world is caught in that liminal space: the strange stillness between what was and what’s about to begin.

Last week, we broke down the $5 trillion AI bubble and what it means for your portfolio. But this week, let’s pause the strategy talk. Today, I want to focus on something even more foundational: your mindset.

There’s so much pressure to wake up on January 1st with a brand-new life. New goals. New budgets. New discipline.

My advice?

Exhale.

Real wealth is not built in a flash of motivation; it’s built in the quiet. In the choices you make when no one is watching. In the small, steady commitments that compound over time.

So before the ball drops and your notifications rise from the dead, take a moment.

✨ Look at what you built this year—financially, personally, emotionally.

✨ Forgive yourself for the goals you missed.

✨ Celebrate the boundaries you upheld.

✨ And set your intention for 2026—not from guilt, but from genuine excitement for what’s possible.

Thank you for letting me be part of your financial evolution this year. In 2026, we’re expanding, with new coaching experiences, deeper dives into wealth and leadership, and a refined focus on how to live rich and retire rich in a world that’s always changing.

Here’s to the quiet. To the courage it takes to pause.

And to what’s next.

Happy New Year to you and your family.

See you on the other side.

With gratitude,
Najma Zanelli
Explore Offerings
Founder, NAZ Global Consultancy
Follow me on IG: @najma_zanelli
Email: [email protected]