Published: December 1, 2025

 

Start 2026 Strong…
Rethink the Financial Habits Holding You Back

A new year brings new goals, but lasting change often starts with letting go, especially when it comes to financial habits that no longer serve you.

 

As careers evolve and responsibilities grow, it’s easy to hold onto patterns that once worked but now hold you back. These habits are often tied to past ideas of security or success. The question to ask yourself heading into 2026 is simple: do they still fit where you are now?

Here are a few signs it might be time for an update:
• Asset allocations that no longer match your current goals or comfort with risk
• Continuing to manage certain investments on your own, even when time is limited
• Shopping based solely on price rather than value
• Saying “yes” to every earning opportunity, even when it leaves you drained
• Feeling uneasy about spending on your own comfort, growth, or well-being

These behaviors are not necessarily wrong, but they may not reflect who you have become.

Clarify What You’re Optimizing For

Before changing habits, it helps to understand what matters most today.

• Freedom: You value independence and flexibility to make life and career choices on your own terms.
  • Impact: You’re focused on creating meaning, whether through family, community, or charitable giving.
  • Security: You want a sense of stability and confidence about your future.
  • Flexibility: You prefer the ability to pivot, seize new opportunities, or adapt to life changes.

These priorities are not exclusive, but gaining clarity about which one drives you helps align your financial behavior with your goals.

Start Small, But Start Intentionally

Updating your approach does not require an overhaul. It may simply mean redefining what “value” means to you or becoming more deliberate with how you allocate time and resources.

Working with a financial advisor can help identify where your habits and goals are out of sync. That partnership can provide perspective and help build a strategy that better reflects where you want to go in the year ahead.

At Hall Financial Advisors, we believe financial progress comes from clarity and alignment — not resolutions, but real intentions. As 2026 approaches, it’s a great time to step back, refocus, and make sure your financial habits are working for the life you want to build next.

Ready to start fresh? Schedule a no-obligation consultation by calling 866-865-4442 or visit our Contact Us page

 

Securities offered through Raymond James Financial Services, Inc., member FINRA / SIPC, marketed as Hall Financial Advisors LLC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Hall Financial Advisors LLC is separately owned and operated and not independently registered as a broker-dealer or investment adviser. 937149