Do you have a financial self-care routine?

Financial health requires a structured self-care routine with daily, weekly, monthly, and yearly actions. Key practices include setting non-monetary long-term goals to guide financial decisions, optimizing savings with high-yield accounts (3–4% interest vs. 0.01%), and annually reviewing investments, insurance, benefits, and credit reports. Investment success should be measured against the S&P 500, with portfolio rebalancing and low-fee funds (ideally under 0.15% expense ratio) to maximize returns.

You’ll learn how to build a sustainable financial self-care routine that aligns your money with your life goals while avoiding common pitfalls like high fees and underperforming accounts.

1. 01Define financial goals by envisioning your ideal life in 3–10 years without mentioning money, ensuring your finances serve deeper values like security, freedom, or purpose.
2. 02Switch to high-yield savings accounts offering 3–4% interest, especially if your current bank pays near-zero rates, and confirm FDIC or NCUA insurance to protect your funds.
3. 03Annually review investments by comparing your returns to the S&P 500, rebalancing your portfolio as needed, and minimizing fees by choosing funds with low expense ratios (ideally ≤0.15%).