How to Create a Financial Plan (Not a Budget) for 2026

Most people think budgeting is the key to financial freedom.
It’s not.

Budgeting only teaches you how to survive.
A financial plan teaches you how to grow.

In this video, I answer a powerful question from our community:
What money habits should you build before 2026 to achieve financial freedom?

🌟 To book an Express Audit: https://calendly.com/admin_erpsgroup/...

Here’s what I break down:
Why budgets limit your life instead of expanding it
The difference between “saving money” and building a financial plan
How to define real income and lifestyle targets
Why writing your goals down changes how your brain works
How to reverse-engineer your income from the life you want
The mindset shift: “Who already has my money?”
Why commitment — not motivation — creates results

Financial freedom doesn’t start with cutting expenses.
It starts with clarity, targets, and daily action.

If you feel stuck even though you’re working hard, this video will help you rethink how money actually works.

👉 Question for you:
What’s harder for you right now — setting big financial goals or committing to them?

⏱️ TIMECODES / CHAPTERS

00:05 – What Money Habits Lead to Financial Freedom
00:12 – Why a Financial Plan Matters More Than a Budget
00:28 – How Budgets Limit Growth
00:55 – What a Real Financial Plan Looks Like
01:18 – Dream First: Defining the Life You Want
01:42 – Why Writing Goals Activates Action
01:56 – Setting Income Targets (From $100K to $1M)
02:14 – Planning Lifestyle, Travel, and Family Goals
02:37 – Budget vs Plan: Why Most People Feel Stuck
03:03 – Reverse Engineering Your Income Goals
03:16 – Asking Better Questions to Find Money
03:30 – “Who Has My Money?” Mindset Explained
03:57 – Clients as the Source of Growth
04:23 – Commit to the Plan — No Negotiations
04:41 – Why Most People Quit Too Early
04:58 – Commitment Through Responsibility
05:18 – Final Thought: Discipline Creates Freedom


Leave your questions and comments below the video.

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Link to this video:    • How to Create a Financial Plan (Not a Budg...  
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I’m Ella Rivkin—founder of ERPS Group, Inc., tax strategist, 10X Certified Business Coach, and real estate investor. For over 26 years, I’ve helped entrepreneurs, practice owners, and high-income earners turn their biggest financial goals into reality.

I came to the U.S. with nothing—no connections, limited English, and no roadmap. But I believed in one thing: It’s All In Your Hands. With the right knowledge, discipline, and strategy, anyone can build lasting wealth.

This channel is your trusted source for:
✅ Strategic tax planning
✅ Business growth & cash flow strategies
✅ Passive income & real estate investing
✅ Financial freedom systems that actually work

Whether you’re overwhelmed by taxes, stuck working endless hours, or ready to scale, I’m here to show you the smart money moves that will help you grow, protect, and multiply your wealth—without sacrificing your life to your business.

Let’s build your financial empire, one strategy at a time!

Check out my Social Media Accounts to get more tips in short videos and in writing!
Instagram: @ellarivkin
Twitter: @ella_rivkin
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This content is provided for educational and informational purposes only. It should not be considered financial, tax, or investment advice. Viewers should conduct their own research and consult with licensed professionals before making any financial decisions.