Mid-Year Money Check-In: A Summer Reset That’s Actually Doable
🎧 Prefer to listen? Click above to listen to the audio version! 🎧
I know—money stuff in the summer? Does not compute. 😎
But mid-year is actually one of the best times to pause and check in. So much can shift in six months, and you want to make sure your money is still moving in the direction you want it to.
Here’s a simple way to reflect, recalibrate, and move into the second half of the year with clarity:
🪞Reflect on Life & Identity Changes
Where are you now vs. where you were in January?
Think life events—new job, income changes, a move, a baby—and also the more internal shifts. Who are you becoming? What’s changed about your priorities, values, or energy?
🎯 Revisit Your Goals
Did you set goals at the beginning of the year? How are they going?
More importantly: do they still feel aligned? Are you clear on what success looks like?
Now’s the time to:
Review progress
Refine any vague goals
Add clarity, deadlines, or measurable markers
And if you’re off track—no shame. You’ve still got time to course-correct.
💸 Do a Spending Spot-Check
Take a peek at your last 3 months of spending.
Are you still aligned with your values and priorities? Are summer expenses creeping in?
No judgment—just awareness. Make small tweaks where needed and move on.
💰 Check Your Saving & Investment Habits
Are you on track with retirement or other savings goals?
Do you have enough cash on hand for peace of mind?
Any contributions you’ve been meaning to automate?
A quick check-in now can help avoid end-of-year scrambling later.
📊 Review (Not Obsess Over) Your Investments
You don’t need to stare at your portfolio every week. But every 6 months? That’s reasonable.
Review balances + performance
Rebalance anything that’s drifted
Check for tax-loss harvesting opportunities if you have taxable accounts
🛡️ Do a Quick Protection Sweep
This doesn’t need to be heavy. Just ask:
What’s the thing that would stress me out the most if it happened tomorrow?
Once you name that fear, you can plan for it.
Maybe that looks like boosting emergency savings, updating insurance coverage, or setting up a safety-net fund.
🧹 Keep It Simple. Keep It Going.
It’s like tidying your house—when you stay on top of it, it never gets too overwhelming. But let it go too long, and the mess feels unbearable.
Finances are the same. You don’t need to overhaul everything. Just set a timer for 30 minutes and check in:
What’s changed?
What’s working?
What needs a small tweak?
Pick your top 1–3 action items, then put it away and enjoy the rest of your summer. ☀️
You’ve got this!
