Annual System Review

Once a year, step back for a higher-level perspective. This is your chance to align your money system with your current season of life.

• Reevaluate how your allocations fit your present priorities — work, family, lifestyle, or health.
• Review your emergency fund, insurance coverage, and investment contributions to make sure they still protect and serve you.
• Adjust automatic transfers, savings goals, and investment amounts to reflect new income or expenses.
• Set one or two annual improvement goals, such as increasing your savings automation by 1%, opening a new retirement account, or paying down a high-interest balance.

This yearly review keeps your system adaptive — evolving as your life does, without constant micromanagement.