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LEARNING ISN'T LINEAR: HOW PERSONAL GROWTH REALLY WORKS



❝The day you plant the seed is not thes day you eat the fruit.❞ -Fabienne Fredrickson

When I first picked up a ukulele, I thought I’d get a little better each day. You’ve probably heard that idea before—just improve 1% a day and the results add up over time.


But in practice? That’s not what it felt like.


Some days I’d make progress. Other days it felt like nothing clicked. And then, out of nowhere, I’d have a moment where it all made sense. A lightbulb went off. Suddenly, I understood something in a deeper way. That “aha” moment would launch me forward in a way no daily grind ever could.


This isn’t just how I learned ukulele. It’s also how I’ve learned squash, how to back up a trailer, and how to use a Mac after decades on Windows.


It’s also how we grow when it comes to money.


WHY WE EXPECT A STRAIGHT LINE


Most of us assume that learning happens in a nice, steady curve: put in effort, get results. We think:

  • More time = more progress

  • More effort = more reward



But real learning doesn’t usually follow that path. Instead, we often hit long plateaus, followed by sudden breakthroughs.



If we’re expecting constant progress, those plateaus can feel like failure. But they’re not failure. They’re part of the process.





The Value Compass is designed to help you gain insight into your own values and how they guide your thoughts, feelings, and actions. It can be used to explore your personal goals and motivations, as well as to gain a better understanding of others' values and how they may differ from your own.




STICK WITH IT


This is where a lot of people give up. When you’ve been practicing, trying, doing the work, and it feels like nothing’s happening, it’s tempting to walk away.



But what if you’re closer to a breakthrough than you think?

Sticking with something when it feels stagnant is hard. But sometimes, just around the corner, something clicks—and you’re suddenly at the next level.



I’m not saying it’s always a flat line before a breakthrough. Sometimes you make slow, steady gains. Sometimes it feels like you’re backsliding. Sometimes it gets messier before it gets clearer.


But underneath the surface, your brain is making connections. Your understanding is deepening. The dots are starting to line up. Eventually, that invisible progress becomes visible.



When it comes to money—or anything that matters—learning takes time. Whether you’re working on new habits, trying to make a change, or just figuring things out… give yourself some grace.


Progress often happens in leaps, not steps. And your next leap might be closer than you think.


You get one life; live intentionally.



If you know someone else who would benefit from reading this, please share it with them. Spread the word, if you think there's a word to spread.


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REFERENCES AND INFLUENCES


Clear, James: Atomic Habits

Fogg, B.J.: Tiny Habits

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About the Author

Derek Hagen, CFP®, CFA, FBS®, CFT™, CIPM is a Financial Behavior Specialist, Life Planning Consultant, Author, Speaker, and Stick-Figure Illustrator. He simplifies topics about meaningful living, including philosophy, mindfulness, psychology, and money.

Work With

Derek at MQ

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