"...women are often told to 'stay positive' or 'trust the process.' And yes, optimism is powerful. But hope without preparation is just beautifully decorated denial."

It’s July. That halfway mark where your calendar (and maybe your bank account) starts whispering: How’s it really going?

If you’re a business owner, this time of year can bring a swirl of emotions. Maybe you’ve hit big milestones, but your personal savings account is still running on fumes. Maybe your business is profitable, but you don’t feel wealthy. Or maybe, despite all your efforts, the numbers just don’t feel like they’re working in your favor.

This blog is your mid-year checkpoint.

No shame.

No overwhelm.

Just eight calming, doable steps to realign your money with your long-term goals.

Whether you're scaling a side hustle or running a multi-six-figure company, this is your chance to pause, reflect, and reset your financial direction—so your business doesn't just earn, it builds wealth.

Let’s get your money back on mission.

Why Listen to Me?

Hi, I’m Sarah Nicole Nadler, and I know this road well—because I’ve walked it.

Years ago, I had a “successful” business on the outside. But behind the scenes? I was constantly reinvesting every dollar, putting myself last, and praying the next launch would finally feel like enough. 

I felt tired. 

And financially fragile.

That’s when I created the Fear To Fierce Financial Formula™, a five-step system that finally helped me stop surviving and start building sustainable, personal wealth from my business profits:

• Profit – Making sure you pay yourself first and prioritize revenue streams.

• Prepare – Ensuring you are ready for disaster preparedness and unexpected expenses.

• Eliminate – Paying off debt and building strong credit to create financial freedom.

• Protect – Safeguarding your assets and ensuring your financial security.

• Grow – Building long-term wealth and creating passive income streams.

This week, I’m focusing on the fifth step of the formula: Grow. That means investing with intention, making your money work for you, and stepping into your role as the long-term steward of your wealth… not just your business.

With every episode of Fierce Feminine Finance, I like to empower you with a POWERFUL free resource that goes with the episode which you can implement right away to create some of the same results, if not better, in your business.

This week, since we are talking about doing a Financial Mid-Year Reset, I want to invite you to my Ultimate Guide To Financially Bulletproof Your Family for Female Entrepreneurs to help you implement the strategies I talk about here...and a few extra I didn't mention!

After going through this free guide you will be able to identify the missing pieces in your family's financial strategy. So you can start taking steps right away to secure your future!

You can download it right away by clicking here or on the photo above 👆

This is NOT financial advice. It's my strategy based on my own financial situation and experience, and is not the advice I would give to every client. If you'd like the support of a financial advisor to work out your own plan, click here to connect with my team.

1. Review the Goals You Set in January

Let’s start here.

Hopefully, you set some clear goals at the beginning of the year—for your income, your impact, or even just your schedule. Now that we’re halfway through, it’s time to pause and ask: How far have I come?

 And before you start spiraling about what’s not done yet—take a breath.

Progress in building wealth (and in life) is rarely linear. Maybe you set a goal to stick to a $3k monthly budget.

You overspent… but you did cut your food delivery spending from $600 to $250, and you finally canceled the three software subscriptions you hadn’t used since 2023.

That matters. 

That counts.

So celebrate it!

Because when we only measure ourselves by the end result, we miss all the evidence that we are moving forward. And that’s when burnout creeps in.

Now, if you’ve got goals that didn’t just stall but slid backward—don’t panic. You’re not broken. But you do need to ask a better question than “What’s wrong with me?”

Try this instead:

"What skill would put this outcome under MY control?"

That’s where the real power lives: in identifying the gap between where you are and what you're capable of learning next.

So right here, right now, take two minutes to practice being gentle with yourself. Centering on gratitude. On high vibe thoughts. 

Be your own best friend.

And if you’ve got a team, a partner, or anyone else who helped you hold it all together the first half of the year—don’t forget to thank them, too. People rise when they feel seen.

2. Reconnect with Your 3–5 Year Financial Vision

Pull back the lens for a second.

It’s easy to obsess over this month’s expenses or whether you remembered to Venmo your VA. But a mid-year reset is also a moment to zoom out and ask:

What is all this effort for?

If you haven’t thought about your bigger picture in a while, that’s okay. You’ve probably been busy managing everything in real time—client requests, payroll, groceries, tax season, school drop-off. 

Life has a way of getting loud.

But here’s the truth: if you don’t have a personal vision pulling you forward, your money will keep getting hijacked by everything that feels urgent.

So pause and check in with your long game.

What do you want your life to look like five years from now? 

Not just what you think you should want. 

What do you want?

Is it a fully paid-off home? A retirement fund that doesn’t make you feel behind? A trust account for your kids? Zero debt? The freedom to take two months off each year without everything falling apart?

Write it down.

Because that vision? That’s what gives budgeting, saving, and wealth-building their why.

3. Check In On Your Budget and Adjust It to Reflect Reality

Now that you’re grounded in the big picture, it’s time to come back to the numbers.

Let’s look at your actual spending over the last 6 months. Not the budget you wrote in January when you were feeling optimistic. Not the version you keep in your head and hope to manifest. 

The real numbers.

Open your bank accounts. Look at April, May, and June. 

Add up what you spent—especially in the categories that tend to sneak up on us all: groceries, subscriptions, dining out, Target runs, Amazon “just one thing” carts.

Pro Tip: don’t judge what you find. As I said above, this Mid-Year Reset will yield the best results if you take it as an opportunity to practice being gentle with yourself. 

This isn’t a moment to criticize yourself.

This is a moment to meet yourself.

Maybe you set a goal to spend $800/month on groceries and it’s actually $1,100. That doesn’t make you bad with money—it makes you human. 

But now, you get to decide:

Is that the version of me I want to carry with me through the rest of the year?

Or is there a stronger, wealthier, higher-vibe version of yourself that we can take this moment to invite forward?

Money is 80% mindset, 10% strategy and 10% having the audacity to go after your dreams.

So look at your budget, and look at who you were being when you overspent in those categories. Then take time to find the new, wealthy version of yourself you want to meet and invite in for the rest of the year. 

Click Here To Grab A 30-Day Trial Inside The Budget Club for Just $1!

4. Review Your Financial Preparedness Plan

No one gets excited about emergency funds.

They’re not sexy. They don’t give you the thrill of an investment win or the satisfaction of a credit card balance dropping to zero. But they do something even more important—they keep you from unraveling when life punches hard.

If the past few years taught us anything, it’s that financial curveballs are not optional. They’re guaranteed. And when you don’t have a buffer in place, those curveballs don’t just wreck your plans—they wreck your peace.

So let’s check in:

If your income stopped today, how long would you stay calm?

If your spouse lost their job… if a parent got sick… if a hurricane/tornado took out your home office or a hacker drained your Stripe account… how fast could you pivot?

I’m not asking to scare you. I’m asking because women are often told to “stay positive” or “trust the process.” And yes, optimism is powerful. But hope without preparation is just beautifully decorated denial.

Preparedness is not paranoia. It’s love.

Here are a few questions to ask yourself as part of your Financial Mid-Year Reset:

• What are the biggest financial risks in my life right now? (Think = slow season in business, loss of a job or big client retainer, natural or manmade disasters, etc) 

• Do I have an emergency fund that would protect me?

• How much life insurance do I have? 

• When was the last time my will was updated? 

• Could my partner, key employees, or best friend find the documents they’d need without panicking if something happened to me?

• Is my “break glass in case of emergency” plan written down—or just floating in my head?

5. Get Honest About Your Debt

If you’ve been avoiding your debt, or just casually “managing it” without a real plan, I want you to hear this with love: debt avoidance is expensive.

Not just because of the interest (though let’s be clear: 22% credit card interest adds up fast). It’s expensive because it chips away at your confidence. It creates a low hum of stress that never fully turns off.

So let’s get real.

How much do you owe, total? Don’t just guess. Pull every balance, write it down, and look it in the eye.

Credit cards. Personal loans. Medical debt. Student loans. Whatever’s there: confront it.

Then ask:

What’s my strategy the rest of this year to reduce that burden?

Maybe it’s setting up an automatic extra $75 payment on your highest-interest card. Maybe it’s refinancing your car loan to lower your monthly outflow. Maybe it’s just choosing to stop adding more.

You don’t have to fix it all today. But you do need to start treating it like something that deserves a plan.

Reminder: Don’t obsessively focus on being debt-free. It’s about being strategic and actually doing the math.

Maybe you’re in a season where paying minimums on cards while you save up for a down payment on an investment property makes sense!

Don’t get caught in the trap of Ramseybabystepism. You do you. 

Want help to get out of debt? Connect with me here.

6. Check Your Tax Strategy Before the Year Gets Away From You

If the only time you look at your taxes is in April or December, you’re not planning… you’re praying.

Mid-year is the perfect time to get proactive.

Ask yourself:

How much money have I brought in so far this year? And based on that number, do I have a pretty solid idea of what I’ll owe in taxes?

If not, it’s time to connect with your CPA. 

Now. Not next quarter.

Don’t be afraid to adjust your estimated payments if needed. Review your deductions. If you’ve had a profitable year so far, talk to your accountant about making a retirement contribution before December 31st that could lower your tax liability and grow your future nest egg at the same time.

This is what financial stewardship looks like. Not guessing. Not winging it. Knowing where you stand and making decisions that future you will thank you for.

7. Invest, Even If It’s Imperfect

If you’re waiting to “have more money” before you start investing, you’re missing the point.

You don’t invest because you have wealth. You invest because you want to build it.

And starting small is still starting.

This month, check in:

Do you have a Roth IRA, SEP IRA, Solo 401(k), or brokerage account? Have you actually funded it—or did you open it and forget about it?

Are your investments just sitting in cash, uninvested? (Yes, this happens more than you’d think.)

Even $100 a month, consistently contributed and properly invested, can add up in a way that $0 never will.

And if you feel overwhelmed or intimidated—good news: you’re not alone. But don’t use confusion as a reason to stay stuck. Use it as a signal to ask for help.

You don’t need to be an expert. You just need to take the next step.

Final Thoughts: 

It’s not always a big win or a six-figure milestone. Sometimes wealth looks like facing your budget without flinching. Setting up auto-payments. Naming your adult kids as beneficiaries. Canceling a subscription you keep forgetting about.

It’s the quiet decisions. 

This Financial Mid-Year Reset isn’t about catching up or adding to your endless to do list! It’s about getting clarity so you can make moves with confidence. And giving your future the kind of attention you’ve already earned.

✨ Your challenge this week: Book a mid-year money day. Pull out your calendar right now and set aside 90 minutes this week when you’ll tackle this list! Light a candle. Pour a drink. Make it fun.

If this article helped you, DM me on Instagram (@FierceFeminineFinance) and let me know your biggest takeaway!