Can you believe we’re already halfway through 2025? Whether you’re checking off financial goals left and right or wondering where the time (and money) went, now is the perfect moment for a mid-year money check-in.

As a financial planner, I encourage clients to treat their finances like their health—you wouldn’t skip your annual physical, so why overlook a mid-year financial review?

Let’s walk through a few simple steps to help you finish this year strongly.

1. Revisit Your 2025 Goals

What financial goals did you set back in January? Were you aiming to pay off debt, save for a family trip, or increase your retirement contributions?

Ask yourself:

● Which goals have I met?

● What still needs attention?

● Have my priorities changed?

Life happens—job changes, unexpected expenses, or even new dreams—so don’t feel discouraged if your original plan needs an update. Real success comes from adapting and moving forward with intention.

2. Take Stock of Your Spending & Saving

Now’s a good time to review how your spending habits are aligning with your goals. Are you saving consistently each month? Is your emergency fund growing cautiously?

If you’ve veered off course, don’t panic. Small changes—like trimming subscriptions or setting up auto-saves—can help you redirect your money toward what matters most.

3. Evaluate Your Debt Payoff Progress

Paying down debt is one of the most empowering steps you can take for your financial future. Check your balances and interest rates. Have you been able to make extra payments? Could refinancing or consolidating help?

Even an extra $50 per month on a high-interest card can make a big impact by year-end.

4. Adjust for the Second Half of the Year

Summer and fall often come with extra expenses—vacations, back-to-school shopping, and the holidays. Updating your spending plan now can help you prepare and avoid dipping into savings later.

It’s also a smart time to build in a buffer for life’s “just in case” moments.

5. Celebrate the Wins—Big or Small

Did you stay under your spending plan last month? Increase your 401(k) contributions? Open that college fund? Celebrate it!

Progress doesn’t always show up as a big number—it’s the small, steady steps that build a secure financial future.

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As a sound voice of your financial future, I believe the pursuit of financial peace comes not just from planning, but from regular check-ins that keep your goals front and center.

If you'd like help evaluating where you stand—or creating a customized plan for the rest of the year, I'm here to guide you every step of the way.

Let’s make the second half of 2025 your strongest yet.

Want Eric's checklist to make your mid-year check-in even easier? Click here.

Want to connect with Eric? Reach out to him at Eric@RockCastleWealth.com

The opinions voiced in this article are for general information only and are not intended to provide specific advice or recommendations for any individual. Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC