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Mid-Year Money Reset

We’re already halfway through the year…

And if you don’t pay attention, you’ll be getting an email from me that says, we’re all the way through the year.

But July is more than just sunshine and fireworks; it’s a natural checkpoint for your money.

A chance to ask yourself:

Are you where you thought you'd be in January?

Are you better off… or falling behind?

Whether you're digging out of debt, chasing retirement freedom, or raising a young family, here’s how to do a quick mid-year financial reset tailored to your situation.

For each scenario, I’m going to give you questions to ask yourself and a few “reset moves” to make sure you stay on track (or get back on track).

Scenario #1: If You’re Paying Off Debt

This is your time to be real with yourself. It’s easy to kick debt down the road and be Mr (or Mrs) Tomorrow.

Paying off your debt right now = hard

Saying you’ll pay off debt tomorrow = easy

But only one of them actually pays off debt.

Ask Yourself

• How much debt have I paid off so far?

• Am I still following a snowball or avalanche plan?

• Have I made any impulse detours that slowed me down?

Reset Moves

• Recommit to debt snowball (don’t scatter payments across 5 cards).

• See if you can add just $100/month to your snowball. Over 6 months, that’s $600+ in progress. Go back to your budget!

• Consider one “no spend weekend” a month — 6 weekends could mean $1,200 (on average) in freed-up cash.

Scenario #2: If You’re Focused on Retirement

The middle of the year is a great time to check in on your 401k and IRA contributions.

If your pay has changed, if you’ve paid off debt or just gotten better with how you’re spending money, you might be missing out on an opportunity to increase how much you invest.

It’s tempting to use a raise as an excuse to blow more money, but use a raise as a reason to pay yourself more money.

Investing an extra $100 for just 15 years could add another $40k to your retirement savings.

Every little bit helps.

Ask Yourself

• Am I on track to max my Roth IRA ($7,000 limit for 2025)?

• Am I getting my full 401(k) match?

• Could I bump up my contribution by 1–2% without hurting my lifestyle?

Reset Moves

• Adjust your 401(k) or IRA contribution right now — maxing out your IRA for 15 years = $240k

• Got a bonus or tax refund earlier this year? Lump sum it into your Roth. Hitting your IRA/401k max early is a flex!

• Don’t forget your HSA if you’re eligible — triple tax savings and a powerful retirement vehicle. You can contribute up to $4,300 per year.

Scenario #3: If You’re In Your 30’s Navigating Family Life

Your 30s are filled with some of life’s biggest milestones (typically).

Buying your first home, getting married, and having kids.

It’s common that you’re going through one of these, maybe all of them, right now! Talk about a tough time to stick to your budget!

Despite the financial distractions, you have the ability to really change your financial future in this decade. It will require true discipline and alignment with your partner.

If you can hit 40 with $100k in retirement, but the time you’re 60 that will be over $400k (accounting for inflation) even if you never invested again.

Ask Yourself

• Do we have 3–6 months of expenses saved? If you have a mortgage and family, you really need to prioritize this.

• Are we budgeting for irregular expenses (gifts, travel, back-to-school)?

• Are we both aligned on our financial goals? When’s the last time we got on the same page with money without fighting?

Reset Moves

• Revisit your monthly budget — where’s the leakage? Think of your budget like a business. How can we make our business just 5% more efficient?

• Set a goal to increase your emergency fund by 1 month of expenses by December. Maybe that means pausing investing for a period of time.

• If you’re married, schedule a “money date night” to check in on goals without the stress.

That’s it for this week.

Thanks for tuning in, as always, let me know if I can ever answer questions or help!