The 4 Numbers Every Woman Should Review Before January 1st
Clarity today creates confidence tomorrow.
As the year comes to a close, many women start thinking about everything they didn’t do financially. The goals they didn’t reach. The habits they didn’t maintain. The progress that didn’t happen.
But I want to offer you a different perspective.
Instead of looking back with pressure or judgment—step into the new year with clarity, purpose, and alignment.
Because the truth is this:
Your financial future isn’t shaped by luck.
It isn’t shaped by timing.
It’s shaped by what you pay attention to.
And the research is clear:
Women who review these four core financial numbers before January 1st experience:
Greater confidence in their decisions
Stronger financial habits
More aligned money choices
Up to 32% better long-term wealth outcomes
Today, you’ll learn exactly which numbers matter—and how to align them with your values, purpose, and financial goals for 2026.
Let’s walk into the new year intentionally, informed, and empowered.
THE 4 NUMBERS EVERY WOMAN SHOULD REVIEW BEFORE JANUARY 1ST
1. Savings Rate
Your Most Predictive Wealth Indicator
Data Insight:
Financial studies consistently show that your savings rate is the #1 predictor of long-term wealth—more predictive than income, investment returns, or career success.
Values-Driven Question:
Are you saving in a way that reflects your long-term priorities and the life you're building?
How to Review:
Calculation: Total Saved ÷ Total Income for the Year
Aim for:20–30% or higher for accelerated wealth growth
Reflect: Does my savings reflect my vision—or my current comfort zone?
2. Net Worth
Your True Financial Baseline
Data Insight:
Your net worth gives you the clearest snapshot of your financial health. Women who track it quarterly make more confident and aligned money decisions.
Values-Driven Question:
Does your net worth reflect the life, freedom, and security you want to build?
How to Review:
List all assets (cash, investments, retirement accounts, real estate, business equity)
Subtract all liabilities (loans, debt, obligations)
Review quarterly trends:
Are you moving in the direction you want?
Important Reminder:
Your net worth is not your personal worth.
It simply shows where you stand today—so you can grow with clarity tomorrow.
3. Investment Allocation
Where Your Money Lives and How Hard It Works
Data Insight:
The right investment allocation increases your long-term returns and reduces the emotional decision-making that causes so many women to feel stuck—even high-income earners.
Values-Driven Question:
Is your portfolio aligned with your goals, your risk tolerance, and the kind of wealth you want to grow?
How to Review:
Check your percentage mix of:
Stocks
Bonds
Real estate
Cash
Income-producing assets
Compare your mix to your time horizon and risk profile
Ask: Is my allocation aligned with the future I’m creating?
4. Cash Flow (Your Burn Rate)
The Hidden Number That Predicts Financial Stability
Data Insight:
Women who track their cash flow reduce financial stress by up to 60%—and save more consistently over time.
Your burn rate reveals:
Where your money goes
How much is being wasted
How much is available for saving and investing
Values-Driven Question:
Does your spending reflect what you value most—or what feels urgent in the moment?
How to Review:
Look at your spending over the last 60–90 days
Identify spending aligned with values vs. emotional patterns
Notice small shifts that could create big impact
Ask: Does my cash flow support the life I want?
A POWERFUL END-OF-YEAR REFLECTION
Before the year ends, take 30 minutes to sit with these numbers.
Not with judgment—
but with curiosity, compassion, and intention.
These numbers are not here to criticize you.
They are here to guide you into a stronger, more confident 2026.
When your numbers and values align,
your wealth grows with ease, clarity, and purpose.
TAKE THE NEXT STEP WITH ME
If you want support reviewing your numbers, building a personalized plan, or aligning your finances with your goals for 2026…
You don’t have to plan alone.
Your wealthy, confident, aligned future begins with clarity today.