October is known for cooler weather, pumpkins, and Halloween. But did you know it’s also Financial Planning Month? While it might not come with costumes or candy, it’s a perfect reminder to pause, take stock, and be intentional with your money. Today, Sean shares a practical checklist for reviewing your finances, from asking the right questions to writing down your goals and checking in on your spending habits. A little reflection now can go a long way toward making your financial future more secure… and less scary.

Here’s what we discuss in this episode:

📊 Take Inventory: gather all accounts (including those you may have forgotten about)

🎯 Set Milestones: celebrate progress and reward smart savings

🔁 Stay Consistent: small adjustments now create long-term success

🏆 Enjoy the Process: planning is about balance, not restriction

Go inside the episode: 

0:00 – Intro

1:24 – Listener Question

2:15 – Rules & Penalties to Consider

5:15 – Family Longevity vs. Lifestyle Choices

7:48 – Healthcare Costs Before Medicare

8:53 – Spousal Benefits and Survivor Impacts

12:10 – Planning For “What If” Scenarios

Looking Back From The Mountaintop