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financial education training

Training Day: How to Elevate Your Financial Education

Financial Education Training: 7 Powerful Ways to Succeed

Taking Control of Your Financial Future

Financial education training is your pathway to financial independence. It helps you build key money skills, from budgeting and saving to managing debt and planning your future. If you’re a transitioning veteran seeking stability, financial education training gives you the tools you need to confidently steer civilian finances and reach your long-term goals.

Here’s a quick overview of your training options:

  • Online Courses: Convenient, self-paced programs like FDIC’s Money Smart and EVERFI’s free financial education courses.
  • Workshops and Seminars: Community-based classes offering face-to-face learning and hands-on financial activities.
  • Digital Platforms and Apps: Interactive tools (such as Khan Academy’s free financial literacy course) to practice budgeting, investing, and credit-building from anywhere.

With the right financial education training, you’ll gain the skills you need to move from insecurity to financial confidence and independence.

Infographic highlighting financial education training: "Types of Financial Education Training: 1. Online Interactive Courses (e.g., Khan Academy, EVERFI), 2. Community Workshops and Seminars, 3. Digital Apps and Simulations, Benefits: Increased confidence, Better budgeting skills, Improved savings habits, Effective management of debt and credit." - financial education training infographic infographic-line-5-steps-blues-accent_colors

Why Financial Education Matters

We live in a world where managing money can feel as complicated as assembling furniture without instructions—frustrating, confusing, and likely to leave you with leftover pieces. That’s why understanding personal finance isn’t just helpful; it’s absolutely essential for your well-being and peace of mind.

Here’s a number that might surprise you: 87% of teens say they don’t truly understand their personal finances. And guess what? It doesn’t magically get better once you’re an adult. Without proper financial education training, many adults also find themselves lost, struggling with debt, missing opportunities, or simply feeling overwhelmed by financial decisions.

At LifeSTEPS, we’ve watched as financial education transforms lives. Individuals who once felt uncertain and anxious about money gain the confidence to budget effectively, save smartly, and plan thoughtfully for the future. For folks transitioning to stable housing and self-sufficiency, these skills make the difference between surviving day-to-day and thriving in the long run.

The Role of Financial Literacy in Today’s Society

In today’s economy—where living costs are rising, retirement planning has become your responsibility, and financial products seem more complex than ever—financial literacy isn’t optional; it’s the foundation for building a stable, secure future.

“Financial education is more than dollars and cents. It’s about establishing better spending habits, instilling confidence, and equipping the next generation with the real-world skills to manage financial goals and milestones.”

This quote truly captures the heart of why financial education training matters. It’s not just about crunching numbers or learning terms; it’s about developing lifelong skills and healthy habits that guide you toward your dreams, whether that’s buying a home, launching a career, or retiring comfortably.

If you’re a veteran transitioning to civilian life, financial literacy becomes even more important. In the military, you’re used to structured finances: steady paychecks, housing allowances, and clear benefits. But civilian life doesn’t come with the same financial consistency. Suddenly, it can feel like you’re in financial freefall. Effective training gives you the tools and confidence to steer this new landscape, putting you back in control of your financial future.

Across Sacramento and throughout California, LifeSTEPS is dedicated to helping veterans and others build strong financial foundations. We know that financial literacy isn’t just about managing money—it’s about creating stability, independence, and the confidence you need to meet life’s challenges head-on.

How to Assess Your Financial Literacy Level

Before you dive into financial education training, it’s helpful to pause and find out exactly where you stand. Think of it as a financial health checkup—understanding your strengths and weaknesses helps you choose the right resources and focus your efforts effectively.

Start by asking yourself some simple but revealing questions. Are you confident creating and sticking to a monthly budget? Do you feel comfortable explaining the difference between savings and investment accounts, or concepts like interest rates, credit scores, and loan terms? Have you set aside enough money in an emergency fund to cover three to six months of expenses? And how about big life events—are you financially prepared for things like going back to school, buying a home, or retiring comfortably?

If these questions have you scratching your head or hiding your wallet, don’t stress! You’re definitely not alone. Many Americans—including veterans transitioning into civilian life—find these financial topics tricky at first. But that’s exactly why financial education training exists: to help you build these essential skills step-by-step.

To dig deeper into your financial literacy level, you can take advantage of easy-to-use online assessments. For instance, the Consumer Financial Protection Bureau (CFPB) offers a simple financial well-being questionnaire that helps pinpoint your current knowledge and confidence. Many financial education platforms also provide quick quizzes to understand your individual needs and customize your learning path.

Identifying Areas for Improvement

Once you’ve assessed your financial literacy, it’s time to pinpoint exactly where you can improve. We all have our blind spots (hey, nobody’s perfect!), and identifying them is the first step toward lasting financial wellness.

Common areas people often struggle with include budgeting and cash flow management—knowing exactly where your money is going each month and how to control it better. Maybe you’re dealing with debt and need effective strategies for getting it under control and eventually eliminating it completely.

Or perhaps you want to learn more about saving and investing—understanding different savings vehicles and investment options to make your money work for you. Other areas that often trip people up are insurance and risk management (knowing how to protect yourself and your assets); tax planning (finding safe ways to minimize your tax burden); and retirement planning (ensuring long-term financial stability).

Veterans transitioning into civilian life may also face unique challenges—understanding civilian employee benefits, translating military skills into civilian careers, and making the most of veteran-specific benefits.

A fantastic way to make your learning meaningful and actionable is to set SMART financial goals. SMART goals help you define clear, actionable milestones. They’re Specific (like “I will save $5,000 for emergencies” instead of a vague “I want to save more”). They’re Measurable, so you can track your progress along the way. SMART goals are also Achievable, meaning they fit into your current lifestyle and resources. They’re Relevant, directly tied to your bigger life dreams and priorities. And finally, they’re Time-bound, giving you a specific deadline to aim for.

By setting clear goals and focusing your financial education training efforts around the areas where you need the most help, you’ll quickly build confidence and see real-world progress toward financial stability and independence.

Exploring Financial Education Training Options

different financial education training methods - financial education training

Remember when we learned to ride a bike? We didn’t just read about it—we got on, probably fell a few times, and eventually found our balance. Learning about money works the same way. With financial education training, you have many paths to choose from, each offering unique advantages depending on how you prefer to learn.

Let’s walk through your options together and find an approach that fits your life, schedule, and learning style.

Choosing the Right Financial Education Training Program

Finding the right financial education training program is a bit like finding a good pair of shoes—it needs to fit just right. The best programs cover all the financial bases, from creating a monthly budget to planning for retirement. They don’t just tell you what to do; they show you how to do it with exercises that relate to your actual finances.

When looking for a program, trust matters. Seek out courses developed by organizations with solid financial expertise and a track record of helping people like you. And since money matters change frequently, make sure the content is current—what worked five years ago might not be the best approach today.

One program I often recommend to our LifeSTEPS clients is the FDIC’s Money Smart Program. It’s completely free and has been helping people understand their finances since 2001. What I love about this program is how it breaks financial topics into 14 manageable chunks, from basic banking to building wealth.

The Money Smart program doesn’t just lecture—it involves you with “Try It” and “Apply It” activities that help you practice what you’re learning. It’s designed to be accessible for everyone, including people with disabilities, which aligns perfectly with our inclusive approach at LifeSTEPS.

For our veteran clients transitioning to civilian life, this program has been particularly helpful in bridging the gap between military financial systems and civilian money management. It provides a solid foundation that respects your experience while preparing you for new financial territory.

Leveraging Digital Platforms for Financial Education Training

The internet has transformed how we learn about money. You can now access quality financial education training from your couch, during lunch breaks, or while waiting for your coffee to brew.

EVERFI’s Financial Education Programs offer free, comprehensive financial courses that make learning engaging. While they’re known for their K-12 programs, they also have excellent resources for adults. Their curriculum spans 13 units with over 150 hours of content, using real-world tools and simulations that make abstract financial concepts concrete and relatable.

Khan Academy deserves a special mention for their financial literacy course. It’s free, self-paced, and allows you to focus on what matters most to you—whether that’s creating a budget that actually works or understanding how to start investing. They’ve turned learning into a game with 7,200 possible mastery points, making the process of building financial skills surprisingly fun.

For those who prefer a more interactive experience, check out the collaboration between Capital One and Khan Academy. Their joint program emphasizes building financial confidence through practical application, which is exactly what our clients at LifeSTEPS need when working toward housing stability and financial independence.

Digital platforms offer wonderful flexibility—you can learn when it suits you, access content from anywhere with internet, engage with interactive tools, track your progress, and often do it all for free. Here in Sacramento and throughout California, we frequently recommend these digital resources to complement our in-person financial education training workshops.

The beauty of today’s learning landscape is that you don’t have to choose just one approach. Many of our most successful clients combine in-person workshops for personal guidance with digital tools for reinforcement. Like learning any new skill, financial literacy grows stronger with practice and support from various sources.

Implementing Financial Education Training in Your Daily Life

Learning about money is a great first step—but putting that knowledge into action is where the real magic happens. Implementing financial education training into your daily routine transforms abstract concepts into practical, life-changing habits.

Begin with small steps to avoid feeling overwhelmed. For example, if you’ve learned budgeting techniques, resist the urge to overhaul your entire financial life overnight (trust me, that rarely ends well). Instead, start by simply tracking your spending for a month. See exactly where your money is going—the good, the bad, and yes, even those “I probably shouldn’t have bought this” moments.

Next, pick a budgeting method that fits your personality and lifestyle. Maybe you prefer a budgeting app like Mint or YNAB (You Need A Budget), or perhaps a simple spreadsheet or notebook is your style. There’s no single “right” way—just what’s right for you and what you’ll actually stick with.

Automation can also be your financial best friend. Set up automatic transfers into your savings account or retirement fund. Automate your bill payments. This simple strategy turns good intentions (“I’ll save some money this month!”) into guaranteed actions—without you even having to remember.

To keep yourself on track, set regular financial check-ins. Just 20 minutes each week or month can help you review your budget, track progress, and make adjustments as needed. It’s like a financial date with yourself (coffee and snacks are highly recommended).

Having an accountability partner can be another game-changer. Share your financial goals with a trusted friend, family member, or counselor. Accountability helps you stay motivated—plus, celebrating milestones is way more fun with someone cheering you on!

For veterans transitioning to civilian life, practicing daily financial habits is especially important. The military provided a structured financial environment that often doesn’t translate directly into civilian life. By consistently practicing budgeting, saving, and debt management, you’ll build confidence while making that transition smoother.

Building Financial Confidence Through Practice

Gaining financial confidence isn’t about becoming an overnight expert—it’s about building your money muscles through consistent practice. Every small step counts, from negotiating a better phone bill to making wise decisions about bigger purchases.

Real-world scenarios are the best practice grounds. Let’s say you’re planning to buy a new appliance or gadget. Put your financial education training to the test by doing thorough research, comparing products, features and prices. Learning to comparison shop is an empowering skill that helps you stretch your dollars and make informed decisions.

Another opportunity to flex your new financial skills is debt management. Use the concepts you learned in training to create a realistic debt repayment plan. Platforms like Undebt.it or Debt Payoff Planner can simplify this process, helping you visualize your progress and stay motivated.

Interested in learning to invest but a little unsure about risking real money? Try setting up a “pretend” or mock investment portfolio first. Many financial platforms like Fidelity, Vanguard, or Schwab provide educational resources and even simulators. This allows you to safely explore investing strategies and gain confidence before diving in with your hard-earned dollars.

Don’t underestimate the power of interactive exercises provided by your financial training programs. Simulations and scenarios from resources like the FDIC’s Money Smart Program or EVERFI’s Financial Education Programs help you practice making financial decisions in a safe, structured environment. It’s like playing a video game—but the prize is real-world financial skill.

And because everyone loves a good toolkit, consider incorporating helpful financial tools into your daily practice:

  • Budgeting apps like Mint, YNAB, or EveryDollar
  • Debt management tools such as Undebt.it or Debt Payoff Planner
  • Savings calculators from Bankrate or NerdWallet
  • Credit monitoring services like Credit Karma, Experian, or Annual Credit Report

At LifeSTEPS, we’ve seen the incredible changes that happen when people put their financial training into practice. One of our Sacramento-area clients—a veteran who initially struggled with financial stability—completely turned things around. Within 18 months of consistent effort and practice, he moved from uncertainty to confidently saving for a down payment on a home.

The truth is, implementing financial education in your daily life takes patience, practice—and maybe a few gentle nudges from supportive friends (and friendly nonprofits like us!). But every step, no matter how small, brings you closer to the confident, secure financial future you deserve.

Overcoming Barriers to Financial Education Training

We all know how important financial literacy is, but let’s be honest—life can get in the way. There are plenty of real-world obstacles that can make accessing financial education training challenging. Thankfully, these barriers are not impossible. With awareness and a little creativity, you can overcome them and take control of your financial future.

One of the most common problems is simply finding the time. Between your job, family responsibilities, and countless daily tasks, setting aside moments for learning about money might feel impossible. But here’s the good news: financial education doesn’t have to eat up your entire day. Even short, focused sessions can make a difference. Try listening to a financial podcast during your commute, flipping through articles while waiting at the doctor’s office, or watching quick videos during your lunch break. Small pockets of time can add up to big improvements in your financial skills.

Accessibility is another major challenge. Not everyone has reliable internet or transportation to attend workshops, especially in underserved communities. If that’s your situation, look for community-based programs that might offer localized solutions. Public libraries, community centers, and nonprofits like LifeSTEPS often provide accessible, in-person financial education training sessions within your neighborhood.

Language and literacy barriers can also make financial concepts seem intimidating. If terms like “compound interest,” “amortization,” or “mutual funds” sound like a foreign language—well, you’re not alone! Look for programs that offer bilingual materials, simplified explanations, or visual resources. Organizations such as FDIC’s Money Smart Program often include multilingual resources to make learning easier.

Then there’s the emotional side of money. Let’s face it—talking about finances can trigger feelings of anxiety, shame, or overwhelm. These feelings are completely normal, and acknowledging them is the first step to moving beyond them. If emotions about money are holding you back, consider speaking with a financial counselor or even a financial therapist. They can help you untangle complicated feelings and build your confidence as you master new financial skills.

Additionally, cultural factors can influence your relationship with money. Different communities might have unique perspectives and practices related to money management and financial conversations. When you’re selecting a training program, look for ones that acknowledge cultural diversity and reflect your values. Community-based educational programs often excel in providing culturally sensitive financial education custom to your background.

If you’re a veteran transitioning to civilian life, you may face additional problems. Adjusting from a structured military financial environment to the complexities of civilian finances can be tricky. You might also grapple with service-related challenges or immediate financial crises that make long-term learning feel less urgent. LifeSTEPS is committed to helping veterans overcome these unique barriers, offering personalized support and targeted guidance to smooth your financial transition.

By recognizing your specific challenges and proactively addressing them, you can open the door to meaningful, practical financial education training. Remember—it’s okay to start small, ask for help, and accept resources custom to your unique situation.

Tailoring Financial Education Training to Your Needs

diverse learners in financial education training - financial education training

When it comes to learning about money, there’s no one-size-fits-all approach. The most effective financial education training adapts to your personal situation, life stage, and learning style. Here’s how you can ensure your financial education is a perfect fit for you.

Start by identifying your preferred learning style. Do you absorb information best visually, through videos and charts? Or perhaps you’re an auditory learner who thrives on lectures and discussions? Maybe you’re more hands-on, needing to actually practice skills to fully understand them. Knowing your learning style helps you choose educational formats that resonate most with you.

Next, prioritize the financial topics that matter most to you right now. If debt is causing you stress, focus first on strategies for debt management before exploring advanced investments. Planning on buying a home soon? Dive into topics like mortgage education and effective saving strategies. Matching your learning to real-life priorities keeps you motivated and helps you see immediate, meaningful progress.

It’s also important to consider your current life stage. Younger adults might benefit most from learning how to budget effectively or tackle student debt, while those nearing retirement would benefit from exploring retirement income strategies and estate planning. Tailoring your training to your current situation ensures relevance and makes your learning feel purposeful.

Be honest about your starting point. If you’re new to financial concepts, don’t jump straight into complicated investment strategies. Start with the basics and build your knowledge gradually. This approach prevents frustration and builds genuine confidence as each new skill clicks into place.

Lastly, don’t underestimate the value of financial education that’s culturally relevant. Everyone comes from a unique cultural background with distinct views around money, savings, and spending. Programs that recognize and honor these diverse viewpoints can make you feel more understood and supported as you learn.

Community programs, like those offered by LifeSTEPS in Sacramento and all across California, are especially good at providing custom-custom financial education training. Our programs acknowledge your unique circumstances, cultural background, and personal goals—ensuring you gain meaningful, practical skills you can apply right away.

With personalized training that speaks directly to your needs, financial education doesn’t just become more manageable—it becomes deeply empowering. And at LifeSTEPS, we’re here to help you on every step of your financial journey.

Frequently Asked Questions about Financial Education Training

Does Financial Literacy Education Work?

Absolutely! When done right, financial education training can make a huge difference in improving your financial habits and overall financial health. According to the Consumer Financial Protection Bureau (CFPB), people who feel confident in their financial skills are more likely to make smarter financial decisions and achieve their goals.

But what exactly makes financial education effective? Well, it comes down to a few key factors. The best financial education programs offer a clear, relevant curriculum that directly applies to your own life situation. They teach you critical skills right when you need them most—like learning about credit before buying your first car or understanding budgeting when moving into your own place.

Another important piece of the puzzle is having opportunities to practice and apply what you’ve learned. The more you can connect concepts to your daily life, the more likely you’ll see real progress.

And let’s not forget about ongoing support. Research shows that one-time sessions aren’t as effective as programs providing continuous reinforcement and coaching. At LifeSTEPS, we’ve seen how ongoing support helps our clients in Sacramento and across California develop lasting financial confidence. It’s amazing to witness people changing their lives by applying what they’ve learned through practical financial education.

What Are the 5 Principles of Financial Literacy?

Financial literacy might seem complex, but it actually boils down to five simple principles that anyone can learn and apply to their daily life.

First up is Earn. This principle is all about understanding where your income comes from, ways to increase your earning potential through career development, and making smart choices related to your salary and benefits.

Next, we have Save and Invest. You’ve probably heard the phrase, “Pay yourself first.” Well, that’s exactly what this principle emphasizes—building an emergency fund, saving money regularly, and eventually growing your wealth through smart investments.

Another essential principle is Protect. This helps you understand how to manage risks in life, from getting insurance coverage for unexpected events to protecting your personal information from identity theft.

Then there’s Spend. It’s not just about cutting back—it’s about making thoughtful spending choices and clearly distinguishing between your needs and your wants. Being mindful in your spending habits will help you achieve your long-term financial goals faster.

Finally, we have Borrow. Borrowing wisely means understanding terms like interest rates and loan conditions, and maintaining good credit health to qualify for better financial opportunities in the future.

These five principles work together to help you build a solid financial foundation. At LifeSTEPS, we often see veterans transitioning from structured military financial systems to civilian life. Applying these principles helps veterans—and anyone else—steer the transition smoothly and confidently.

How Can Financial Education Training Be Customized to Meet My Needs?

The truth is, financial education isn’t a “one-size-fits-all” solution. Everyone’s financial journey is unique, and the most effective financial education training programs are personalized to fit your specific situation.

To get personalized financial training, start by honestly assessing where you stand today. Take a financial literacy assessment (many online tools are available), or simply reflect on areas you feel less confident about. Maybe it’s debt management, saving for a home, or retirement planning. Knowing your starting point will help guide your learning path.

Once you’ve identified your strengths and areas to improve, get clear on your financial goals. What matters most to you right now? Maybe you want to pay off debt, buy a house, save for college, or secure a comfortable retirement. Being clear about your goals will help you choose the resources and training topics that matter most to you.

Next, consider how you learn best. Some people prefer engaging, interactive online courses. Others thrive in face-to-face community workshops or through one-on-one counseling sessions. You might even combine two or more methods to find what works best for you.

Don’t hesitate to look for specialized programs custom specifically to your situation—especially if you’re a transitioning veteran. Veteran-specific financial training can address unique challenges, like translating military financial benefits into civilian opportunities.

If language, accessibility, or cultural context are important to you, ask for programs or materials that respect and reflect your personal experiences. Many community organizations, including LifeSTEPS, offer diverse and inclusive options so everyone can benefit from solid financial education.

Financial literacy is an ongoing journey, so remember to stay flexible. As your financial situation evolves, your training needs will too. Adjust your focus as you grow and keep building your skills along the way.

At LifeSTEPS, we’re passionate about helping clients in Sacramento and across California customize financial education training to match their unique needs and goals. Whether you’re a transitioning veteran or someone seeking financial stability, we’re here to help guide you toward financial confidence and independence.

Conclusion

Starting on your financial education training journey is one of the smartest investments you can make for yourself and your family. The skills and confidence you’ll gain won’t just help you manage money today—they’ll help you build a secure and financially independent future you genuinely deserve.

Throughout this guide, we’ve explored why understanding your finances matters so deeply. It’s not just about numbers or learning dry facts—it’s about building real-world skills, creating healthier habits, and gaining the confidence to make better financial decisions at every stage of your life. Whether you choose online courses, in-person workshops, interactive digital platforms, or a mixture of these approaches, what’s most important is taking that critical first step and applying what you learn consistently.

If you’re a veteran transitioning to civilian life, you have unique financial challenges and needs. We understand that shifting from a structured military financial environment to managing civilian finances independently can be tough. That’s exactly why financial education training is such a powerful tool—it equips you with the practical skills and knowledge you’ll need to confidently take charge of your financial future.

Here at LifeSTEPS, we’re passionate about supporting people just like you on your journey toward financial stability and independence. Our programs in Sacramento and across California offer personalized guidance and ongoing support, helping individuals and families make meaningful financial progress. From budgeting basics to planning for long-term goals like homeownership, we’re here every step of the way—cheering you on as you bring your dreams within reach.

Financial education doesn’t stop once you’ve learned the basics—it’s a lifelong trip. Life circumstances change, financial markets evolve, and your personal goals will grow. Staying curious, engaged, and willing to learn ensures you’ll always have the tools to adapt and thrive.

We warmly invite you to explore our programs at LifeSTEPS and find the ways we can support your unique financial education goals. Whether you’re just starting out or building on what you already know, there’s always room to learn, grow, and improve your financial well-being.

Take that first step today—your future self will be incredibly grateful. And who knows? Maybe someday soon, your success story will inspire others to begin their own journey toward financial freedom.

Financial education training success stories - financial education training

career management process

Career Management Unlocked: A Guide to Professional Growth

Understanding the Career Management Process

The career management process is a practical, step-by-step approach to plan, grow, and adapt your professional life. It helps you align your skills and interests with achievable career goals.

Here’s a quick breakdown of how the career management process works:

  1. Self-Assessment: Identify your skills, interests, strengths, and values.
  2. Career Exploration: Research career paths, industries, jobs, and growth opportunities.
  3. Goal Setting: Define clear short-term, intermediate, and long-term career goals.
  4. Action Planning: Develop a realistic plan with specific steps—training, networking, or education—to meet your goals.
  5. Evaluation & Adjustment: Regularly monitor progress, respond to feedback, and make adjustments as you grow.

As Marcia Zidle says,

“Your career is your responsibility.”

For transitioning veterans, this process isn’t just helpful—it’s essential. Adjusting from military life to civilian employment is challenging. A structured, step-by-step approach offers stability, clear direction, and builds confidence as you steer new opportunities.

Infographic depicting the five-step career management process: Self-Assessment, Career Exploration, Goal Setting, Action Planning, and Evaluation & Adjustment. - career management process infographic

What is Career Management and Why It Matters

Career management is simply the art and practice of taking charge of your professional life. Think of it as actively steering your career ship, instead of drifting along and hoping you’ll land somewhere great. Through structured planning and intentional actions, you guide your career toward fulfillment, stability, and success.

As the experts at Harvard Business Review put it,

“Successful careers develop when people are prepared for opportunities.”

In our and ever-changing work environment, career management matters now more than ever. Gone are the days when you could count on climbing a single corporate ladder from entry level straight to retirement. Today, we’re seeing more fluid and flexible career paths, often described as protean careers—careers guided by your personal values and goals—or boundaryless careers, where you move smoothly across different organizations, roles, or even industries.

But why should career management matter to you personally?

When done thoughtfully, career management leads to personal fulfillment because it helps you find meaningful work that aligns with your values. It supports better work-life balance by empowering you to make professional choices that match your personal priorities. It also provides financial security by enabling you to strategically choose opportunities that boost your earning potential. Plus, embracing the career management process helps you stay adaptable in a changing job market, keeping you professionally relevant and continually growing.

At LifeSTEPS, we’ve seen how crucial career management can be—especially for individuals making the important leap to stable housing and self-sufficiency. For our clients, including veterans transitioning from military life, effective career management isn’t just about finding a job. It’s about building a purposeful career path that supports long-term stability, financial independence, and homeownership.

The Evolution of Career Management Process

The way we approach our careers has changed dramatically over the years. Traditionally, employers largely managed their employees’ careers. Workers would faithfully climb the ranks within one company, moving predictably up the organizational chart. Stability, loyalty, and linear advancement were the norm.

But times have changed significantly. Today, the average person will change jobs around 12 times throughout their working life. Many roles that will exist in ten years haven’t even been invented yet! Skills have shorter relevance periods, meaning continuous learning is essential. Organizations have flattened their hierarchies, resulting in fewer straightforward promotion opportunities. Plus, technology and globalization regularly disrupt entire industries, reshaping job markets almost overnight.

This shift in the workplace means responsibility for career management has moved from employers squarely onto the shoulders of individual employees. Organizations still play a supportive role, sure—but now it’s up to you to take charge. Concepts like career resilience (your ability to adapt to changes) and career insight (having a clear understanding of yourself and the work environment) have become essential.

As noted in the insightful article “The Existential Necessity of Midlife Change,” many people find themselves rethinking and reinventing their careers multiple times throughout their lives. This isn’t a sign something went wrong—in fact, it’s perfectly natural. As your personal values evolve, as industries change, and as new opportunities emerge, adapting your career becomes an act of wisdom, not failure.

For veterans in particular, understanding this evolution is essential. Moving from the structured environment of military service to civilian employment can feel overwhelming. Embracing the modern career management process helps veterans find clarity, direction, and confidence during this significant life transition.

Benefits of Effective Career Management

When you follow a thoughtful career management approach, the personal and organizational benefits are impressive.

As an individual, managing your career effectively means you’ll have greater job satisfaction and feel more engaged in your work. You’ll find more purpose in your career, enjoy stronger marketability thanks to strategic skill development, and build resilience against economic ups and downs. Financial security improves as you make targeted career choices, and it’s easier for your professional life to align with your personal values and priorities.

Organizations benefit too, experiencing lower turnover rates and greater employee retention. Employees who feel supported in their career growth are more engaged, productive, and loyal. Companies with strong career management programs build internal talent pipelines, gaining a competitive advantage through a skilled and adaptable workforce.

Just consider this powerful statistic from the Work Institute’s 2022 Retention Report:

According to the Work Institute's 2022 Retention Report, 21% of employees who quit their jobs in 2021 did so because of career reasons — career development and choosing a different career path being chief among them. - career management process infographic

This clearly highlights the link between effective career management and employee retention. When people don’t see a clear career path with their current employer, they’re much more likely to look elsewhere for opportunities.

At LifeSTEPS, we’ve witnessed again and again how structured career management provides our clients with the stable foundation they need to pursue their dreams. By thoughtfully developing career paths, our clients gain the confidence and tools to reach long-term goals like financial independence, homeownership, and lasting stability.

When you take charge of your professional destiny, you’re not just building a career—you’re crafting a life you’ll truly love.

The Career Management Process Framework

The career management process isn’t a one-and-done task—it’s an ongoing journey. Think of it as a cycle that guides you through continuous growth, learning, and adapting. It gives you a clear roadmap but leaves plenty of room to pivot as life and career goals evolve. Let’s explore each step of this essential framework together.

career management cycle framework - career management process

Step 1: Self-Assessment and Exploration

You can’t figure out where you’re going if you don’t know where you’re starting from, right? The foundation of your career management process is taking a thoughtful look inward—understanding what makes you tick, what you’re naturally good at, and what you genuinely enjoy.

During self-assessment, consider your interests—those activities that energize you and make you lose track of time. Next, think about your skills—both specific technical skills and broader abilities like communication or problem-solving. Reflect on your values too: maybe autonomy, helping others, or work-life balance matter deeply to you. Your natural personality traits—are you detail-oriented or more big-picture? Collaborative or independent?—are also crucial components.

It’s helpful to identify your clear strengths (the stuff you ace without breaking a sweat) and gently acknowledge your weaknesses (areas that need some attention and growth). If you’re a veteran transitioning into civilian work, this step might mean translating your valuable military experience—like leadership, teamwork, and adaptability—into language employers understand.

Try asking yourself questions like: What parts of past jobs did I love? When do I feel most confident and capable? What values am I unwilling to compromise? Tools such as the Myers-Briggs Type Indicator (MBTI), CliftonStrengths assessment, Strong Interest Inventory, Career Values Scale, and various skills inventories can help you dive deeper into this step.

At LifeSTEPS, we’ve seen how powerful this introspection can be. Often, our clients find strengths and interests they’ve overlooked—turning uncertainty into confidence.

Step 2: Career Exploration and Research

Once you’ve learned about yourself, it’s time to look outward. Career exploration allows you to match what you’ve finded in your self-assessment with real-world opportunities. Think of it as testing the waters to see what’s out there—and finding where you fit best.

Start by exploring industry trends to spot which sectors are growing and offer long-term potential. Investigate the job market to understand in-demand roles, what qualifications employers want, and realistic salary expectations.

Don’t underestimate the power of human connection! Informational interviews—casual chats with professionals in your fields of interest—give insights no online description can match. Networking through professional associations, industry events, and even social media platforms like LinkedIn can open doors you didn’t even know existed. And cultivating mentorship relationships with experienced professionals can give you invaluable advice and guidance for your journey ahead.

At LifeSTEPS, many of our clients find this exploration phase eye-opening. Through it, they identify promising career paths they might never have considered before. By volunteering, job shadowing, or attending workshops, you can get a hands-on feel for various roles—helping you narrow down what’s genuinely right for you.

Step 3: Goal Setting and Strategy Development

Now that you’ve assessed yourself and explored your options, it’s time to set clear, actionable career goals. Think of goal setting as plotting your destination points on the career roadmap you’ve created. We recommend setting goals at three different levels: short-term (1-2 years), intermediate (3-5 years), and long-term (5+ years).

Short-term goals might involve earning a specific certification, mastering a new skill, or landing a first-level position in your desired field. Intermediate goals typically represent bigger career advancements, like achieving a leadership role or successfully transitioning into a new industry. Long-term goals reflect your big-picture vision, like becoming a business owner or reaching a senior leadership position.

When creating these goals, we love the SMART approach: make each objective Specific, Measurable, Achievable, Relevant, and Time-bound. Instead of saying you’d like to “improve your leadership skills,” a SMART goal might be “Complete a leadership training course and lead two team projects within the next 12 months.”

A clear strategy helps you reach these goals. At LifeSTEPS, our “Planning for a Brighter Future” initiative supports clients in developing customized strategies that break down ambitious career dreams into manageable, realistic steps. A good strategy covers your education needs, experience-building opportunities, skill development, and professional networking.

Your career journey rarely follows a straight line—and that’s perfectly okay. Stay flexible, adapt your strategy as needed, and keep your eyes open for new opportunities along the way.

Step 4: Action Plan Implementation

Plans are fantastic—but taking action is what truly moves you forward. Once you’ve set goals and developed your strategy, it’s time to turn good intentions into concrete steps.

Implementation means actively building skills, pursuing necessary education or certifications, and gaining relevant experience—even if initially through volunteer roles or side projects. Effective networking is part of action-taking, too. Regularly engaging with your professional contacts, attending industry events, or joining online groups helps open doors for future opportunities.

Mentoring relationships are also incredibly valuable at the implementation stage. Mentors offer guidance, encouragement, and real-world insights—helping you avoid pitfalls and recognize opportunities you might miss on your own.

Don’t forget about visibility—make your accomplishments known to supervisors and colleagues who could influence your career progression. This doesn’t mean bragging; it simply means confidently showcasing your skills and results.

At LifeSTEPS, we encourage our clients (especially those transitioning from challenging circumstances) to break down implementation into manageable, bite-sized tasks. Small steps consistently taken can yield big results over time—just 30 minutes a day dedicated to career goals equals 180 hours of focused progress each year!

Step 5: Continuous Evaluation and Adjustment

Career planning isn’t a set-it-and-forget-it activity—life changes, industries evolve, and your priorities shift. The final step in the career management process is ongoing evaluation and fine-tuning.

Regularly monitor your progress toward your goals, celebrate your achievements (big and small!), and honestly assess what’s working—and what’s not. Seek feedback from supervisors, mentors, and colleagues, and use this input to guide adjustments to your strategy.

Keep an eye out for new trends and opportunities in your industry. Is your field growing or shrinking? Are new skills becoming valuable? Being aware prepares you to pivot gracefully when things shift.

At LifeSTEPS, we recommend scheduling regular career check-ins (at least quarterly) to reflect on your path and make adjustments accordingly. Try asking yourself:

  • What’s working well—and what’s holding me back?
  • Have my interests or goals changed?
  • Am I gaining the experiences and skills I need?
  • How can I fine-tune my actions moving forward?

This step makes your career approach dynamic and responsive, helping you stay aligned with your vision no matter what life throws your way. After all, careers, like life, are never perfectly straight lines—but with ongoing evaluation, you’ll confidently steer any twists and turns on your journey.

Organizational vs. Individual Career Management

Career management happens on two important levels: within your organization and within yourself. Understanding how these two parts fit together can help you make the most of your career management process. Let’s explore the roles organizations and individuals each play.

organizational versus individual career management approaches - career management process

Organizational Career Management Components

Organizations have a big role in helping employees grow and develop. They build structures, programs, and practices to support your career journey, which ultimately benefits both you and the company.

One of the most important factors is top management support. When leaders genuinely value their employees’ growth, they create a culture where career development matters. This support can shape everything—from available resources to how openly team members can share their career aspirations.

Another key element is regular periodic skills assessment, which helps companies and employees understand what’s needed in their workforce and identify opportunities for growth. Organizations typically pair these assessments with open enrollment processes that let team members explore jobs throughout the company—not just in their current department.

Supervisor involvement is also crucial. Managers trained in career support can offer meaningful guidance, feedback, and advocacy. Alongside supervisors, HR coordination ensures career programs, learning opportunities, and succession planning run smoothly.

Organizations that regularly evaluate their career management efforts see better results. This program evaluation keeps things fresh, relevant, and effective. Additionally, providing realistic feedback ensures employees clearly understand their strengths, career paths, and areas for improvement.

Finally, good organizations have clear succession planning in place. This means identifying and preparing future leaders, helping the organization grow stronger from within.

For LifeSTEPS, collaborating with employers who value career development is a big part of our mission. When companies invest in employees—especially those overcoming tough circumstances—they build strong, committed teams. This creates a win-win scenario: employees thrive, and companies benefit from greater loyalty, reduced turnover, and a healthier workplace culture.

Individual Career Management Strategies

While organizational support can make a big difference, your career is ultimately your responsibility. Taking ownership of the career management process helps you shape a path that aligns with your goals, values, and interests.

One of the most important traits in managing your career is self-motivation. Instead of waiting for someone else to offer opportunities, actively seek them out. Taking initiative makes you stand out and increases your chances of success.

Building your personal brand is another powerful strategy. Think of your personal brand as what people say about you when you’re not in the room. Clearly communicating who you are, what you stand for, and what makes you unique helps you attract valuable career opportunities.

Continuous learning is essential as workplaces evolve rapidly. Staying curious, learning new skills, and adapting quickly help you remain relevant, flexible, and valuable to employers. Joining professional associations can boost your learning by connecting you with industry insights, specialized knowledge, and valuable contacts.

Speaking of contacts, don’t underestimate the power of networking. Building strong, authentic relationships gives you access to information, advice, mentorship, and hidden job opportunities. It’s often said (jokingly, but truthfully!) that the best jobs never make it to the job boards—they’re finded through conversations over coffee or casual chats.

Managing your digital presence is another key tactic. Maintaining a professional online profile (think LinkedIn and relevant industry platforms) helps potential employers quickly understand your strengths and experiences.

Some professionals even choose portfolio careers, combining different roles or income streams for variety, fulfillment, and financial security. Others adopt an entrepreneurial mindset, approaching their careers with creativity, adaptability, and ownership—even as an employee rather than business owner.

At LifeSTEPS, we encourage clients, including veterans and others transitioning to stable housing, to accept these individual strategies. Through programs like our Academic Scholarships, we help empower clients to further their education and build career skills that lead to greater self-sufficiency.

The truth is, the best career management combines strong organizational support with proactive individual effort. Organizations can provide tools, opportunities, and support, but it’s up to you to seize those opportunities and shape your professional journey.

Tools and Resources for Effective Career Management

Managing your career isn’t something you have to figure out alone. There are plenty of helpful tools and resources that can make the career management process smoother and more effective. Think of these as your career toolkit—resources that provide structure, insight, and guidance as you steer your professional journey.

career management tools and resources - career management process

Career Assessments and Their Role

Have you ever wondered if you’re really in the right career? Or maybe you’re just starting out and aren’t sure which direction to take? This is where career assessments come in—they’re like mirrors that reflect aspects of yourself you might not easily see on your own.

Interest inventories help identify what naturally engages you. If you’ve ever lost track of time while doing something you enjoy, these assessments help pinpoint those activities and connect them to potential careers. The Strong Interest Inventory and Holland Code assessment are popular tools that match your interests to fields where you might thrive.

When it comes to understanding what you’re good at, skills assessments are invaluable. These evaluations look at both your technical abilities (like programming or accounting) and transferable skills (such as communication or problem-solving). They highlight your strengths and show you where you might need development.

What matters most to you in a job? Is it helping others, having creative freedom, or perhaps financial security? Values clarification tools help sort out these priorities. Sometimes what makes us unhappy in a career isn’t the work itself, but a mismatch with our core values.

Your personality significantly influences how you work and interact with others. Personality tests like the Myers-Briggs Type Indicator or Big Five assessments provide insights into how you process information and make decisions. Understanding these patterns can help you find environments where you’ll naturally excel.

We all have natural talents that, when recognized and developed, can become major career assets. Strength finders like CliftonStrengths identify these innate abilities and offer strategies to leverage them effectively.

For our veterans at LifeSTEPS, specialized assessments that translate military experience into civilian terms are particularly helpful. These tools bridge the communication gap, helping employers understand the valuable skills veterans bring to the table.

You don’t need to spend a fortune on assessments. Many quality options are available through public libraries, workforce centers, or online platforms. While professionally administered assessments provide the most comprehensive insights, free alternatives can still offer valuable direction to get you started.

These assessments aren’t crystal balls with all the answers—they’re tools that provide pieces of a larger puzzle. The most helpful approach combines multiple assessment types and pairs them with thoughtful reflection on your experiences.

Creating a Comprehensive Career Development Plan

Once you’ve gathered insights about yourself through assessments and reflection, it’s time to create a roadmap for your journey. A career development plan transforms your aspirations into concrete steps you can take to move forward.

A good career development plan starts with a career vision statement—a clear picture of where you want to go professionally. This doesn’t have to be elaborate; even something as simple as “Become a senior project manager in healthcare technology” gives you direction.

Next, summarize what you know about yourself. What are your key strengths? What skills do you have? What matters most to you? This current assessment summary becomes your starting point.

The gap analysis is where things get practical. Look at your destination (your vision) and your starting point (your current profile). What’s missing? Maybe you need specific certifications, management experience, or technical skills. Identifying these gaps helps you focus your development efforts.

Setting SMART goals gives your plan structure and momentum. Instead of vague aspirations like “get better at leadership,” create specific targets: “Complete a leadership certification and lead two cross-functional projects by December.” Create short-term goals (next year), medium-term goals (3-5 years), and long-term goals (5+ years).

Your plan should detail the development activities you’ll pursue. Will you take courses? Seek specific projects? Find a mentor? These activities should directly address the gaps you’ve identified.

Be realistic about what you’ll need to succeed. Your plan should include resource requirements—the time, money, and support necessary to implement your plan. This might mean setting aside two evenings a week for study or saving for a certification program.

A timeline with specific dates keeps you on track. When will you complete that course? By what date will you apply for that internal position? Having deadlines creates accountability and urgency.

How will you know if you’re making progress? Identify success metrics that will show you’re moving forward. These might include completing specific training, receiving particular feedback, or reaching performance targets.

Every journey has obstacles. Anticipate potential challenges and plan how you’ll overcome them. If time is likely to be an issue, perhaps you’ll need to wake up earlier or reduce other commitments. Having strategies ready helps you push through when difficulties arise.

Finally, create accountability mechanisms to keep yourself on track. This might include regular check-ins with a mentor, quarterly self-reviews, or a career accountability partner who helps you stay committed.

At LifeSTEPS, we’ve seen how powerful a well-crafted career plan can be, especially for clients juggling multiple life transitions. We often recommend starting with smaller, achievable goals that build confidence before tackling larger challenges. Each small win reinforces your belief that bigger goals are possible too.

Your career development plan isn’t set in stone—it’s a living document that grows and changes as you do. Review it quarterly, update it as you learn more about yourself and your industry, and adjust as new opportunities emerge. Share it with trusted mentors who can offer feedback and help hold you accountable.

The purpose of your plan isn’t to predict the future perfectly—it’s to give you direction, focus, and momentum on your career journey. Even if your path changes along the way, having a plan ensures you’re moving forward intentionally rather than drifting.

Navigating Career Transitions and Challenges

Throughout your professional journey, change is inevitable. You might find yourself starting your first job, switching industries, stepping into management, or even planning for retirement. Each of these transitions brings its own set of challenges—and opportunities. Thankfully, the career management process provides a clear path to steer these shifts confidently.

Career transitions often happen for a variety of reasons. You might decide to change careers because your personal interests and values have evolved. Perhaps you’re relocating, or your family situation is changing, requiring a different approach to work-life balance. Economic shifts or industry disruptions, like new technologies or market trends, can also prompt you to reconsider your professional path.

For veterans moving from military to civilian careers, these transitions can be particularly complex. Military life offers clear structure, hierarchy, and career progression. Civilian careers, on the other hand, often require self-direction, networking, and ongoing adaptation. At LifeSTEPS, we’ve found that using a structured approach to career transitions can greatly ease the stress and uncertainty veterans often feel during this change. With the right tools and support, veterans can successfully translate their valuable military skills—such as leadership, teamwork, and adaptability—to civilian roles that offer new growth opportunities.

Career challenges aren’t setbacks—they’re simply part of the journey. At LifeSTEPS, we support many individuals experiencing significant changes, often as they move toward stable housing and greater independence. We know that tackling career challenges head-on is a powerful way to build resilience and confidence.

Overcoming Common Career Management Obstacles

Even the best-laid career plans encounter problems. Being prepared for some common obstacles can make navigating them much smoother—and even turn challenges into growth opportunities.

One frequent obstacle is experiencing a skill gap. You may find yourself eyeing a position or promotion that requires skills you don’t currently have. To bridge this gap, consider taking classes, signing up for training courses, or volunteering for projects at work. Many of our LifeSTEPS clients benefit from scholarships like our JB Brown Fund Scholarships Ignite Hope, helping them afford education and training to gain new skills.

Another common challenge is facing limited opportunities, either because of your location or your current workplace. If advancement feels out of reach, explore networking, remote work, or adjacent career paths where your skills apply. Sometimes, creating your own opportunities—like freelance work or starting a small business—can open unexpected new doors.

Work-life conflicts can also arise, especially when career demands clash with family or personal priorities. If you’re feeling stretched thin, communicate clearly with your employer or consider roles with flexible hours or remote options. Portfolio careers—where you balance multiple part-time roles or freelance positions—can also offer the flexibility needed to nurture personal commitments.

At times, you might feel stuck by organizational constraints. Maybe your workplace doesn’t offer clear career paths, or there’s a lack of leadership support for employee growth. In these situations, consider advocating for change internally, seeking support from mentors, or exploring opportunities with organizations whose cultures align more closely with your career goals.

With increased competition in the job market, you may worry about standing out against many qualified candidates. To counter market competition, focus on clearly communicating your unique strengths, experiences, and personal brand. Highlight your adaptability, soft skills, and ability to learn quickly in addition to your qualifications.

Unfortunately, age discrimination still exists. Whether you’re seen as “too young” or “too experienced,” overcoming biases means demonstrating your value clearly. Keep your skills current through training and emphasize the unique perspective and maturity your life stage brings to the workplace.

Lastly, it’s normal to feel anxious when making a significant career change. To manage career change anxiety, break your transition into smaller, achievable steps and reach out to mentors or peers who have successfully made similar moves. Remember: progress happens one step at a time—and every step builds your confidence.

Leveraging Technology in Your Career Management Process

Technology has completely changed how we grow and manage our careers. Becoming comfortable with digital tools can be a game-changer in your career management process.

Online platforms now make it easy to assess your skills, interests, and personality traits. Digital assessment tools give you quick, practical insights into potential career paths. At LifeSTEPS, we’ve seen many clients find exciting new possibilities thanks to these user-friendly tools.

Thanks to online learning platforms like MOOCs or virtual bootcamps, you can develop new skills from your living room—or even from your phone during your commute. Many of these options are affordable, flexible, and available whenever you have a few spare minutes.

Networking has also gone virtual. Platforms like LinkedIn, industry-specific forums, and virtual career fairs make it simple to build connections, explore job opportunities, and gain valuable industry insights—even if attending in-person events isn’t an option.

Personal branding is another area where technology shines. By creating a strong digital presence, you can showcase your achievements, skills, and unique strengths through online portfolios, social media, or personal websites. This digital visibility helps you stand out to recruiters and future employers.

When the time comes for job hunting, specialized job search engines put thousands of opportunities at your fingertips. These platforms often offer detailed company reviews, salary insights, and tips to help you make informed career decisions.

Career management apps and skills tracking software provide convenient ways to stay focused, organized, and accountable. These tools help you set goals, track your progress, and stay aware of skill gaps that could hold you back.

For veterans transitioning from military to civilian roles, connecting with veteran-specific job boards or online communities can be especially helpful. These resources help translate military experience into civilian terms and build valuable connections with others who’ve successfully steerd the same transition.

At LifeSTEPS, we encourage our clients to combine the power of technology with genuine human relationships. Technology is a tool to improve—not replace—the personal connections and support networks that make our career journeys richer and more successful.

Career transitions and challenges are natural parts of everyone’s professional life. Facing them with the right mindset, practical tools, and supportive resources makes all the difference. At LifeSTEPS, we believe that every career journey—no matter how winding—offers incredible opportunities for growth, learning, and fulfillment.

Frequently Asked Questions about Career Management

How Does Career Management Differ from Career Planning and Development?

The phrases “career management,” “career planning,” and “career development” often overlap—but they each have their own distinct meaning within your professional journey.

Career planning is all about setting goals and mapping out where you want to go. Think of it as planning a road trip—you figure out your destination, potential routes, and how you’ll get there. It involves deciding what you want professionally and outlining the steps to reach your goals.

Career development, on the other hand, is like packing your bags and preparing your vehicle for that trip. It focuses on growing the skills, knowledge, and experiences you’ll need along the way, such as education, training programs, mentorship, or hands-on experience.

Career management is the big-picture, ongoing process that brings planning and development together. It means actively steering your career journey by continuously assessing where you are, setting new goals, pursuing growth opportunities, and adjusting your path as circumstances change. Think of it as constantly checking your GPS, road conditions, and weather to make sure you’re on track—and adjusting your course if needed.

These three aspects—planning your goals, developing your skills, and managing your overall career path—come together in a structured career management process. It gives you clarity and helps you successfully steer the ups and downs of your professional life.

What Role Do Employers Play in the Career Management Process?

While your career journey is ultimately yours to drive, employers can play a valuable supporting role. Great employers create supportive environments that encourage growth, helping you thrive while meeting their business goals.

Employers can support the career management process in several important ways:

  • Creating a supportive culture: When companies value ongoing learning and growth, it becomes easier for you to dedicate time to your own development. Good employers understand that investing in people leads to happier, more productive employees.

  • Providing development opportunities: Employers can offer practical resources like job rotations, training courses, learning platforms, and stretch assignments that help you build new skills and gain valuable experiences.

  • Establishing feedback mechanisms: Regular feedback, such as performance reviews and coaching sessions, helps you see clearly what’s working well and where you can grow. This honest feedback makes your development more targeted and effective.

  • Offering resources: Companies that invest in their people often provide resources like tuition assistance, career counseling, or assessment tools. These benefits help you pursue the education and skills that align with your career goals.

  • Implementing mentorship programs: Connecting you with experienced mentors can provide valuable guidance, insight, and support along your career journey. Mentors share knowledge, help you steer challenges, and encourage your growth.

  • Creating clear career paths: Providing transparent advancement tracks within the organization lets you know what’s required to move forward. Clear career paths make it easier for you to set realistic goals and pursue meaningful opportunities.

At LifeSTEPS, we work with companies who understand that by supporting their employees’ career growth—especially those overcoming obstacles like housing instability—they strengthen their workforce and make a positive social impact. It’s a win-win!

How Often Should I Review and Update My Career Management Plan?

Life is always changing—your career plan should keep pace. Regular check-ins help keep your career management process fresh, relevant, and aligned with your current goals and situation.

We recommend doing a quick, informal review of your career plan every three months. This quarterly check-in helps you see if you’re on track, celebrate small wins, and quickly adjust if things aren’t going as planned.

Once a year, set aside time for a deeper review. Reflect on the bigger picture—how have your interests, values, or priorities evolved? Have new opportunities or challenges come up? This annual check-up ensures your long-term vision still matches your life today.

It’s also smart to revisit your plan whenever you encounter significant life events or major changes at work. Finishing a degree, switching jobs, relocating, or experiencing personal milestones like starting a family or returning from military service—these are great times to reevaluate your plan. Likewise, industry shifts or organizational restructuring might mean your goals or strategies need updating.

At LifeSTEPS, we know some of our clients—especially those juggling multiple big transitions at once, like housing or career changes—may need more frequent check-ins. If your life feels like a rollercoaster right now, don’t hesitate to review your plan every month or two. Staying flexible is key.

Here are a few signs it’s time to revisit your career plan:

  • You’re consistently unmotivated by your current career goals.
  • You’ve accomplished goals faster (or slower!) than you anticipated.
  • New interests or strengths have emerged that aren’t reflected in your current plan.
  • You’ve come across unexpected opportunities or new obstacles.
  • Significant changes have occurred in your industry or workplace.

Updating your plan doesn’t mean starting over—it often means refining your strategies, adjusting timelines, or incorporating new insights. The heart of your vision can remain steady, even as the details shift.

Your career management plan is a living, breathing document. Keeping it fresh ensures it continues to guide you toward meaningful, fulfilling work throughout your professional journey.

Conclusion

The career management process isn’t a one-time thing—it’s a lifelong journey filled with opportunities, surprises, and occasional bumps in the road. By approaching your career intentionally—from knowing yourself deeply to exploring possibilities, setting clear goals, taking purposeful action, and regularly checking in—you set the stage for meaningful professional growth.

This structured and thoughtful approach is especially valuable when facing big career moments. Maybe you’re stepping into your first job, switching fields, climbing the career ladder, or responding to changes in your industry. The career management process provides clarity and stability during these transitions. At the same time, it offers flexibility to pivot when unexpected opportunities come knocking.

If you’re a veteran or someone experiencing significant life changes, the career management process is a powerful ally. It acts as a bridge between your experiences from the past and your dreams for the future, turning uncertainty into manageable next steps. Every small win along the way builds confidence and momentum, proving you’re capable of even greater successes.

At LifeSTEPS, we’re here to support you every step of this journey through our Programs and Services. We believe that effective career management isn’t just about finding a job—it’s about building a stable, fulfilling life. Our mission is to help people like you achieve not just employment, but lasting self-sufficiency, homeownership, and personal fulfillment.

Your career path probably won’t look like a straight line—it’s more likely to zig, zag, loop, and maybe even double-back once or twice. That’s normal and actually pretty exciting! What matters most is staying true to your values, strengths, and aspirations. Be flexible and adapt your plans when needed, but always keep your eyes on your ultimate goals.

Marcia Zidle said, “Your career is your responsibility,” and that’s true—but that doesn’t mean you have to steer the path alone. Seek support from trusted mentors, colleagues, professional resources, and organizations like LifeSTEPS. We’re here to provide guidance, accountability, and the occasional cheerleading along the way.

By fully embracing the career management process, you turn your professional journey from a random series of decisions into a meaningful trip that’s uniquely yours. It won’t always be easy, and it certainly won’t be perfect—but it will be a career that truly reflects who you are and what matters most to you.

LifeSTEPS Asks Congress to Pass Full-Year HUD Budget

In a letter to Speaker Pelosi, Sen. Feinstein, Sen. Padilla and Rep. Bera, LifeSTEPS urged Congress to stop delaying and pass a full-year HUD budget as soon as possible. Congress has not yet approved Fiscal Year 2022 spending bills, which puts service coordination and affordable housing programs at risk of not having enough funds to maintain operations.

In the absence of an agreement on full-year spending for federal agencies and government programs, lawmakers have approved Continuing Resolutions (CR) to extend the deadline beyond the start of the fiscal year on Oct. 1, 2021. While CRs have prevented a government shutdown, they fund programs at last year’s levels, which can be detrimental to affordable housing programs that see rising year-over-year costs. The latest CR will expire on March 11.

American Association of Service Coordinators President & CEO Michelle Missler Discusses Resident Services, Affordable Housing, Education, Policy and More

Beth Southorn, LifeSTEPS Executive Director and the newly elected chair of the American Association of Service Coordinators (AASC) recently sat down with AASC’s new president and CEO Michelle Missler for a conversation on the critical role AASC plays in the resident services field.

AASC is a professional resident services membership association and a national resource for service-enriched housing professionals. Its 3,800+ members assist elderly and disabled residents and families living in affordable housing communities to identify, locate and acquire the services and supports necessary to become and remain self-sufficient. AASC provides education, advocacy, best practices, leadership and networking opportunities for resident service providers.

As a member of AASC, LifeSTEPS participates in the organization’s highly effective resident services training, using our shared values and like-minded intervention approaches to train LifeSTEPS staff. LifeSTEPS’ thought leaders, including Beth, have played a key role in AASC’s training curriculum, speaking at AASC’s National Service Coordinator Conference and other educational programs on the subject of service coordination.

Here’s what Michelle had to say.

Q: As the new leader of AASC, can you tell us about your background and how you became involved with resident services?

My career has taken a journey that has come full circle and brought me back to where I started almost 20 years ago!  I began my career as a service coordinator in 2003. That was my first interaction with this profession and as a young social worker, I immediately fell in love with service coordination.  Following my time as a service coordinator, I continued to build my passion for the profession by moving into Quality Assurance for service coordinators and ended up leading a program providing this service to over 600 service coordinators nationwide. After 15 years, I pivoted from the field of service coordination and moved into health care collaboration where I gained incredible knowledge of the importance of addressing social determinants of health and collective impact.  Prior to coming back to the service coordination profession at AASC, I was the director of the county aging services and learned a tremendous amount about local government and home and community-based service delivery.  Service coordination has always been my passion and I am so excited to have returned to my roots to continue to advance this great profession!

Q: In which direction do you see the service coordination field heading? What’s ahead for service coordinators?

The work of service coordinators is imperative in helping vulnerable populations maintain affordable housing by addressing their social determinants of health.  More than that, service coordinators are amazing relationship builders with their residents and within the communities at large.  Service coordinators are phenomenal at helping reduce social isolation, improving health outcomes and positively impacting the overall quality of life for individuals.  The future is bright for this profession to be seen as an integral partner to a variety of community, state and nationwide organizations.

Q: How does affordable housing work with services and supports?

Housing with services and supports equips residents with the connection to resources they need to stay in their homes.  While some residents are aging in place within their affordable housing communities, they need support to do it successfully. Having a service coordinator who can locate nutritious food, transportation, and medical care drastically increases their likelihood of living independently. In fact, our research indicates that 93% of residents with service coordinators continued to live independently last year.   Providing access to services and supports reduces the chance of a resident leaving their home for skilled care such as assisted living or a nursing home.

Q: Why are AASC’s services so important to residents of affordable housing?

For the last 22 years, AASC has served as an invaluable resource for service coordinators who work with residents in affordable housing. AASC provides unparalleled education, advocacy, networking opportunities and industry knowledge to over 3,800 service coordinators nationwide who serve more than half a million residents that reside in affordable housing.

Q: How has the COVID-19 pandemic changed the resident services field?

The COVID-19 pandemic put a spotlight on the vital work that service coordinators have been doing for decades. During the pandemic, service coordinators continued to do the important work of connecting residents to needed services, helping residents navigate changing health care programs and reducing social isolation.  The importance of service coordination was undeniable during COVID-19 and continues to be today.

What sort of training and education does AASC offer to its service coordinator members?

HUD-funded service coordinators have specific training requirements that are tied to their funding.  AASC has been the premier education organization to meet these training needs for HUD-funded service coordinators for more than 20 years. In addition to these required training topics, AASC is committed to offering timely training that is relevant to anyone who is in the supportive services profession.  AASC provides these trainings through a variety of avenues such as our annual conference, webinars, on demand courses and our professional service coordinator certificate program through The Ohio State University.

Q: What are AASC’s top three 20022 policy priorities? How do you keep your members apprised of policy efforts and initiatives?

Our overarching policy goals each year are to: 1.) preserve existing federal funding and support for the service coordinator profession 2.) improve the processes, training, reporting, and overall standards related to service coordination and 3.) expand the reach of service coordination in affordable housing and beyond. We update our policy priorities and strategies each year but they always seem to fall into one of those three categories. For example, as part of our goal to support current service coordinators, we focused heavily on ensuring they had access to emergency support and funding through the CARES Act during the early stages of the pandemic in 2020. This year we’re focusing more on opportunities to reduce turnover as the job market shifts in response to the pandemic’s economic impacts.

We’ll publish the full list of our 2022 policy priorities in March. We encourage members to join us in our advocacy efforts through monthly Action Alerts, annual advocacy challenges and a public policy committee made up of AASC members.

Q: As President of AASC, what do you want people to know about your organization?

That is a big question!  I think it is most important that we are seen as a leader in the industry and an advocate for the service coordination profession.  As we move into the future, it is essential that AASC and our members are seen as great partners who are not only committed to improving the lives of individuals but professionals with demonstrated success in affordable housing communities across the country.