I shared this on Threads the other day..
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Let’s check in.
Not with vibes — with receipts.
Because we’re halfway through the year, and this is the part where either your money plan still makes sense… or it needs to be put in retirement right along with those unused gym memberships and ghosted planners.
So let me ask you:
Are the goals you set back in January… still real?
Or are they just Ju-lying to you?
No shame here. Just a pivot.
This is your mid-year review. A real one.
Not a “start over,” but a recalibration based on where your life is now — not where you thought it’d be six months ago.
Let’s walk through 5 key areas — and where you might need to shift:
- Budget + Spending
→ Are you still using the same budget from Q1?
→ Has your income changed? What about your cost of living?
→ What in your budget has increase? What the inflation rate?
→ Do you have a money routine? Or even a money management system?
→ Are you tracking your expenses — or just hoping the swipe goes through?
What worked? Keep it.
What fumbled? Adjust.
Don’t be loyal to a budget that doesn’t fit your season anymore.
Need help realigning it? That’s what my “Making the Math, Math” service is built for.
2. Saving
→ Did you hit that emergency fund goal?
→ Do you have sinking funds set to handle some goals you have for the 2 Half of the year (like the holidays?)
→ Did you even start it?
→ Are you still “saving what’s left over”… and somehow there’s nothing left?
No judgment. But saving isn’t a feeling — it’s a system.
Even if it’s $10/week, it counts.
Consistency > perfection.
3. Investing
→ Are you still “waiting to learn more”?
→ Did you set it and forget it — but haven’t checked your allocations?
→ Are you investing for later… but skipping over your goals for now?
If investing feels too big, zoom out.
What’s your why?
What are you actually building toward?
Even opening a Roth IRA and dropping $50 in is better than sitting on the sidelines. Don't forget to distribute what you contribute..invest!
4. Retirement
→ Do you know how your 401K are performing? Do you have any funds that aren’t invested?
→ Have you checked your contributions this year?
→ Do you have old 401K or HSAs that you can convert over into an IRA to keep growing?
→ Are your beneficiaries even listed, yes, on your 401K/IRA?!
If your retirement plan is “hopefully something works out,” that’s a clue to make a real one.
It doesn’t have to be perfect — it has to be active.
Not sure what’s missing? Let’s cover that in an Ask Me Anything session.
5. Legacy + Big Money Goals
→ Did you set up your will or trust? Do you have your beneficiaries set?
→ Have you picked a money goal that matters beyond just paying off bills?
→ Are you funding your future — or just surviving your present?
Legacy is about more than death.
It’s how you’re using your money right now to protect your future self and your people.
Start small. One document. One account with a beneficiary. One convo with your family.
Here’s your reframe for the second half of the year:
What worked → fuel it.
What almost worked → fix it.
What flopped → release it.
There’s no failure here — just feedback.
You get to shift your strategy with what you know now, not who you were in January.
So tell me:
- What’s one goal you’re keeping?
- One habit that’s gotta go?
- And one part of your money plan you need help figuring out?
If you’re ready to pivot with support, not just hope, I got you:
Making the Math, Math – Budget Done For You: I’ll break it all down and rebuild your strategy so it fits the real numbers and your actual life.
Ask Me Anything Session: We unpack where you are and map where you’re trying to go — no fluff.
Get help here
You still have 5½ months left.
That’s 5½ months to rework the math.
To rebuild momentum.
To make the moves your January self wanted — but your July self can now actually deliver. Make Q3 and Q4 yours!
Let’s go get it.
Dassit.
