Episode 304: The Financial Exhale: A Gentle Year-End Money Reset

Описание: As the year comes to a close, Melissa Joy, CFP® invites you to slow down.


This short, reflective solo episode is a pause button — a chance to step off the financial treadmill, release guilt, and reset how you think about money before jumping into goals, resolutions, or to-do lists.


Rather than focusing on what still needs to get done, Melissa encourages listeners to notice what worked, acknowledge invisible financial wins, and reconnect with a definition of wealth that goes beyond account balances.


This episode is designed as a mindset reset — an “exhale” — to help you enter the new year with more clarity, intention, and self-trust.


In this episode, Melissa explores:

• Why year-end reflection matters more than year-end hustle
• How to identify and celebrate your financial wins, including the quiet ones
• Releasing guilt and shame tied to past money decisions
• Reframing wealth around values, time, and relationships — not just numbers
• How aligning spending with personal values can simplify decision-making
• The power of “set it and forget it” systems to reduce financial stress
• Choosing a money word or theme for the year ahead
• Simple challenges (like no-spend periods or intentional splurges) to reset habits
• Using a “stop, start, continue” framework to carry clarity into the new year

Key takeaway


You don’t need a perfect plan to move forward — you need a lighter mindset, clearer values, and permission to acknowledge progress.


Before diving into goals and action steps, this episode offers space to breathe, reflect, and reset your relationship with money.


The previous presentation by PEARL PLANNING was intended for general information purposes only. No portion of the presentation serves as the receipt of, or as a substitute for, personalized investment advice from PEARL PLANNING or any other investment professional of your choosing. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy, or any non-investment related or planning services, discussion or content, will be profitable, be suitable for your portfolio or individual situation, or prove successful. Neither PEARL PLANNING’s investment adviser registration status, nor any amount of prior experience or success, should be construed that a certain level of results or satisfaction will be achieved if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. PEARL PLANNING is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. No portion of the video content should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if PEARL PLANNING is engaged, or continues to be engaged, to provide investment advisory services. A copy of PEARL PLANNING’s current written disclosure Brochure discussing our advisory services and fees is available upon request or at https:... (https://pearlplan.com/)