New Year Financial Checklist: Start the Year with Clarity, Control, and Confidence
Release Date: 12/29/2025
Year of Profit
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Please Hit Subscribe, and tell someone about the show. https://www.facebook.com/profile.php?id=100076311491473 https://a.co/d/1nZhNKO https://poshmark.com/closet/toledojoe https://poshmark.com/closet/happie22 In this episode of The Year of Profit, Joe explores one of the most underrated tools for improving mindset, confidence, and emotional resilience: humor. While most people try to fight or silence their negative self-talk, Joe reveals a surprisingly effective alternative — laughing at it. We all have an inner critic. That little voice in our head that judges our decisions,...
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A new year brings a powerful opportunity: a clean financial slate. In this episode of Year of Profit, we walk through a New Year Financial Checklist designed to help you take control of your money, eliminate unnecessary stress, and create momentum toward real financial progress.
Too many people drift into a new year hoping things will “work themselves out.” But hope isn’t a strategy. Clarity is. Whether you’re focused on paying off debt, building savings, growing your income, or simply feeling more confident with money, this episode breaks down exactly where to start—and what to stop doing.
We begin by looking back before moving forward. Reviewing last year’s finances—without judgment—is essential. What worked? What didn’t? Where did your money actually go versus where you thought it went? This honest reflection creates the foundation for smarter decisions moving ahead.
Next, we tackle cash flow awareness. Knowing your monthly numbers is non-negotiable. We discuss how to list your fixed expenses, identify variable spending leaks, and determine your true financial baseline. When you know your numbers, money stops being emotional and starts becoming strategic.
From there, we move into goal setting with intention. Instead of vague resolutions like “save more” or “make more money,” we focus on clear, measurable goals. You’ll learn how to set one primary financial focus for the year—whether that’s debt elimination, emergency savings, or income expansion—so your energy isn’t scattered.
We also cover an often-overlooked step: updating and automating your systems. This includes reviewing subscriptions, renegotiating bills, adjusting automatic savings, and simplifying accounts. Small system tweaks can free up hundreds—sometimes thousands—of dollars over the course of a year.
Another key part of the checklist is risk management. We discuss reviewing insurance coverage, emergency funds, and financial safety nets to ensure one unexpected event doesn’t undo your progress.
Finally, we wrap up with mindset. Money success isn’t just about math—it’s about behavior. We talk about adopting a “CEO mindset” for your personal finances, creating monthly check-ins, and treating your financial life like a business you’re responsible for growing.
This episode isn’t about perfection. It’s about progress. The New Year Financial Checklist gives you a clear path forward—one step at a time—so you can stop reacting to money and start directing it.
If you’re ready to make this year intentional, profitable, and less stressful, this episode will help you set the tone from day one.
The Year of Profit podcast, hosted by Joe Shortridge, is your go-to resource for transforming every aspect of your life. As a seasoned life and financial coach, Joe brings a unique blend of personal development and financial wisdom to each episode. This podcast is designed for anyone looking to improve their mindset, boost productivity, manage stress, and achieve financial success. Whether you're striving to overcome personal challenges, build better habits, or enhance your financial literacy, The Year of Profit offers actionable strategies to help you reach your goals.
Joe’s expert advice covers a wide range of topics, from mental wellness and time management to wealth-building techniques and entrepreneurial mindset. Each episode provides listeners with practical steps they can immediately apply to their daily lives, leading to long-term growth and fulfillment. Through relatable stories and proven strategies, Joe empowers you to take control of your life, create positive change, and maximize your potential.
If you're ready to take your life to the next level and start living with purpose, The Year of Profit podcast is the perfect place to begin. Tune in each week for new insights, motivation, and inspiration to start your journey toward lasting success and well-being.