The Little Things We Overlook Can Cost Us Big.
Last week, we talked about picking those dreams back up off the shelf.
This week, I want to talk about something we don’t always pay attention to.
The things we overlook, assume are taken care of, or simply keep putting off.
Because let me tell you, sometimes those little things can end up costing us money, opportunities, and peace of mind.
As we prepare for 2027, it’s time to do a little housecleaning. And no, I’m not talking about cleaning out your closets, although some of us probably need to do that, too!
I’m talking about taking a closer look at some things we already have in place.
1. When Was the Last Time You Reviewed Your Benefits?
Ladies, don’t just click through open enrollment and select the same benefits you’ve had for years.
Does your health insurance still meet your needs? Do you understand your deductible and out-of-pocket costs?
What about dental, vision, and life insurance?
Are you paying for coverage you don’t need? Are your beneficiaries current?
Just because something worked five years ago doesn’t mean it’s still the best choice today.
And don’t forget to check your employer’s enrollment deadlines! Please! If you don’t understand please ask!
2. Let’s Talk About That W-4!
As some of you know, I’ve spent years preparing taxes, and one thing I’ve learned is that many people don’t pay attention to their W-4 until tax season.
If you have started a second job, picked up a side hustle, received a raise, gotten married or divorced, or had changes involving your children remember these things can affect your taxes.
Your W-4 determines how much federal income tax your employer withholds from your paycheck.
Take a few minutes to review your withholding and use the IRS Tax Withholding Estimator to see whether adjustments are needed. If you have self-employment income, you may also need to make estimated tax payments.
Don’t wait until tax season to discover you haven’t had enough withheld!
3. What About Your Retirement?
Now, this is one I really want you to think about.
When was the last time you logged into your retirement account?
Do you know how much you’re contributing? What your money is invested in? Whether your employer offers a match?
Have you checked your beneficiaries?
And here’s a bigger question.
If you keep doing exactly what you’re doing today, where will you be financially in 10, 15, or 20 years?
Don’t just assume everything is okay because money is coming out of your paycheck.
Review your statements, understand your investments and fees, and ask questions when something doesn’t make sense.
4. Take a Look at Your Paycheck
When was the last time you looked beyond the amount deposited into your bank account?
Review your deductions. Make sure your insurance premiums and retirement contributions are correct.
Know what you’re paying for and where your money is going.
Sometimes We Don’t Know What We Don’t Know
And that’s really the point of today’s conversation.
We’re busy working, raising families, paying bills, and handling everyday responsibilities.
Sometimes we assume everything is fine until we discover something we should have checked a long time ago.
Being diligent means paying attention.
So before another year passes, grab your laptop, get yourself a cup of coffee, and review some things.
Check your benefits, your W-4, your retirement, and your paycheck.
And don’t just think about next year. Think about the years ahead.
Because sometimes getting your life together isn’t about making a big change. It’s about taking care of the things you’ve been overlooking.
Girl, let’s get our house in order!
Make Your Move!
With love,
Ty