Reflect on what adjustments you can make to increase your monthly savings, reduce investment risk and at the same time get higher returns, and eliminate unnecessary spending.

Every dollar spent tells a story.

Which expenses brought value or joy?

What spending felt wasteful?

Key Question: How can your spending better reflect what matters to you?

For me, financial reflection is about more than numbers. It’s about the freedom and security to make choices, and the ability to live a life that you want.

Look back honestly.

Wins: Did you reach a financial goal, or pay off debt?

Challenges: What caused financial stress or threw you off track?