Christie JungeA Plus Solutions Inc. · CEO | Profit First Professional

MONEY - What season are you in? My chat with Hala Taha from #youngandprofitable about your money

19 Feb 2026 · 1 min

Watch on YouTube

1:05

In this interview, host Sandy Waggett and guest Hala Taha discuss a personal finance framework called the "four financial seasons": Recover, Fund, Activate, and Balance. They define each season, explain how to recognize which season you are currently in, and emphasize that these states are temporary and can be intentionally shifted. Recovery involves actively moving out of debt; Funding is about saving more than you spend to prepare for future goals; Activate means deliberately spending savings to enjoy a larger lifestyle now; Balance combines living in the present while still preparing for future events. The conversation highlights that individuals can choose and transition between seasons quickly, using the framework to guide financial decisions.

Chapters

I love this concept of the 4 financial seasons. So there's recover, fund, activate, balance. Talk to us about each one and how you can tell if you're in each bucket.
When people say I have debt, that they are also saying I'm always in debt. We need to put the word recover. So if I'm in a recovery state, that means an active move toward improvement. The other thing is seasons are not permanent. Recovery season is a positive temporal state. When I say, oh, you don't have debt, you're in recovery season, how long is this season going to last? It's like, oh, that's right, there's a time frame to it. So that's why those terms exist. The next one is funding. Funding is where we're intentionally saving more than we're spending of our income to prepare for some kind of future experience. Activate is where we're spending more than we're actively earning. So we're actually downing our money savings with intentionality because Perhaps want to live larger in the moment. The final season is balance. Balance is where I'm actively trying to live in the now, but also preparing for some future events. The interesting thing about seasons though, is you can choose the season you're in and move through them quickly.