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Daily habits keep you consistent. Weekly rituals keep you organized. Monthly moves put your finances on autopilot. But once every few months, it’s time to take a bigger step back and look at the overall direction of your wealth journey.
This is where your quarterly money check-in comes in. Think of it as a 60–90 minute strategy session with yourself — just four times a year — to make sure you’re on track with your long-term goals.
1. Review Your Net Worth (20 Minutes)
Add up everything you own (cash, investments, home equity) and subtract everything you owe (debts, loans, credit cards). This gives you your net worth — your big-picture scorecard for financial progress.
👉 Not sure where to start? Use our interactive calculators to quickly track your assets, debts, and growth.
2. Evaluate Your Debt Payoff Progress (10 Minutes)
Are your balances moving down as planned? If not, adjust your payments or revisit your budget. Small course corrections every quarter prevent major setbacks later.
3. Assess Your Savings and Investments (15 Minutes)
- Are you contributing regularly to retirement accounts?
- Has your emergency fund grown?
- Is your portfolio aligned with your risk tolerance?
If you’re off track, set a specific goal for the next quarter to catch up.
4. Rebalance Your Portfolio if Needed (10 Minutes)
Over time, some investments grow faster than others. Rebalancing ensures your portfolio still matches your target mix (for example, 70% stocks, 30% bonds). Many brokerages make this easy to do online.
5. Reflect on Lifestyle and Goals (15 Minutes)
Money isn’t just numbers — it’s about building the lifestyle you want. Ask yourself:
- Am I spending in line with my values?
- Have my goals shifted in the past 3 months?
- What small changes can I make to get closer to the life I want?
Why Quarterly Check-Ins Matter
Quarterly reviews strike the perfect balance. They’re not so frequent that you get lost in day-to-day noise, but not so rare that you lose track of progress. They keep you grounded, focused, and motivated to stay consistent.
Next Step in the Series
Quarterly check-ins give you perspective, but the biggest wealth-building secret is patience. In the next article, we’ll explore the 5-Year Rule — and why giving your money time to grow is the ultimate wealth strategy.
Final Thought
You don’t need to obsess over your money daily or even monthly to see progress. With just four quarterly check-ins a year, you can stay in control, adjust as needed, and keep building your wealth life with confidence.