The Half-Year Check-In: Are You on Track with Your 2025 Money Goals?

It’s FinTip Tuesday!

Believe it or not, we’re halfway through the year, which makes it the perfect time for a financial check-in.

While January 1st often gets all the attention for goal setting, midyear offers us an equally powerful opportunity to reassess and realign our hopes and dreams. Jon Acuff, author of All It Takes Is a Goal, shares in his book that our brains are wired to embrace new beginnings not just at the start of the year, but at any point that feels like a fresh start. This could be the beginning of a new month, week, or even day!

Behavioral economists refer to this as the “Fresh Start Effect,” where temporal landmarks (like the midpoint of the year) can boost our motivation to pursue goals by providing a psychological reset.

So, let’s leverage this midyear milestone to reflect on our financial journey! Here’s a short midyear money checklist to begin this fresh start:

🎯 Revisit your goals.
What were your financial goals earlier in the year? Do they still make sense or have life circumstances shifted? Now’s a great time to rewrite your goals so they reflect where you are now, not where you were six months ago.

📈 Check your progress.
How are things going? Whether you’re saving for a down payment, tackling credit card debt, or building an emergency fund, look at your data to see where you stand compared to where you hoped to be.

🔧 Make just one meaningful adjustment.
You don’t have to overhaul your whole budget. Even one small shift like canceling an unused subscription, setting up a new savings transfer, or reviewing your 401(k) contributions can make a big difference by year-end.

Remember: progress > perfection.

A simple check-in now can set you up for a strong and confident finish to 2025. Why not connect with an adviser to help? Just click the “Get Matched” button at the top of the screen to learn about our process and sign up to get matched!