The Midyear Money Audit: Testing Whether Your Plan Still Holds
By midyear, most people haven’t abandoned their financial plans. They’ve just stopped noticing that the plan quietly stopped matching their life. School fees crept up, groceries cost more, an insurance premium adjusted upward, a medical bill landed — and none of it announced itself as a crisis. It just accumulated, the way small measurement errors accumulate in an experiment until the whole model no longer fits the data.