Mid-Year Financial Check-In: Are You On Track To Reach Your Year-End Goals?

5 Midyear Money Checkpoints to Keep You on Track

Summer is winding down, and fall is right around the corner. Whether you’re ready for cooler weather or still clinging to summer Fridays, now is a great time to pause, reset, and take stock of where you stand financially.

Here are five quick check-ins to help you stay on track as we head into the second half of 2025:

Check-In #1: Take a Hard Look at Your Debt

Holiday retail sales reached over $960 billion last year—and they’re expected to climb again in 2025. With spending likely to pick up again soon, now is the time to get a handle on your current debt.
Start by listing everything you owe—credit cards, car loans, student loans, mortgages. Include due dates and minimum payments. From there, you can explore options like lowering interest rates, consolidating balances, or simply creating a plan to chip away at what you owe. Getting it all in one place may feel overwhelming, but clarity is the first step toward progress.

Check-In #2: Check Your Credit Score

When’s the last time you looked at your credit score? If it’s been a while, now’s a smart time to check in. Your score gives you a big-picture view of your financial health—and can help you catch red flags like missed payments or potential identity theft before they cause serious damage.

Check-In #3: Revisit Your Retirement Contributions

If you haven’t looked at your retirement contributions since setting them up, give them a quick check. For 2025, the 401(k) contribution limit is $23,000 if you’re under 50, or $30,500 if you’re 50 or older.
Small increases can make a big impact over time—especially if you’re looking to catch up before retirement. Even a 1–2% bump in contributions now can add up fast.

Check-In #4: Rebuild Your Savings (If Summer Drained It)

Between travel, camps, and last-minute getaways, summer can be tough on savings. If you dipped into your emergency fund or slowed your contributions, now’s a great time to refocus.
Look at where you stand versus your 2025 savings goal. Ahead of schedule? Nice work—consider setting a stretch goal. Behind? That’s okay—use this moment to reset and build momentum heading into fall.

Check-In #5: Realign Your Goals with Life as It Actually Happened

A lot can change in six months. If life threw you a curveball—a job change, a big expense, a new family member—it may be time to realign your financial goals.
Pull up the goals you set in January and ask: Are these still relevant? If not, take a moment to update them to reflect where you are now—and where you want to go next.

At Birch Street, we’re here to help you pause with purpose. As the seasons shift, use this natural midpoint of the year to check in, course-correct, and finish 2025 feeling clear and confident.