September Is the New January: How to Set a Money Goal and Actually Crush It by Year-End. Back to School, Back to Budget Series (Part 4 of 4)

Everyone's Talkin' Money

Shari Rash

Self-improvement, Business, Health & Fitness, Mental Health, Education

4.2 • 648 Ratings

🗓️ 23 September 2025

⏱️ 37 minutes

🔗️ Recording | iTunes | RSS

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Summary

While everyone else is waiting for January to set resolutions they won’t keep, savvy money managers know the real financial new year starts in September. In this final episode of the Back-to-School, Back-to-Budget series, Shari Rash shows you why fall is the perfect time to reset your money goals—and how to make them stick through the holiday season and beyond. You’ll learn: Why September has natural momentum that January can’t match How to harness “fresh start” energy to set one powerful financial goal The exact framework for choosing, sizing, and sticking to that goal How to avoid the 3 most common mistakes people make when setting money goals Why finishing the year strong can completely transform your financial confidence Forget failed resolutions. September gives you the time, structure, and energy to create real change. Whether your goal is saving, paying off debt, or finally building that emergency fund, this episode will help you focus, follow through, and step into the new year already ahead. If this series helped you, now’s the perfect time to binge all four episodes: Part 1: resetting your money routine Part 2: checking your money basics Part 3: building a smart seasonal spending plan, and Part 4: finishing the year strong with a financial goal that actually sticks. Be sure to like and follow the show on your favorite podcast app! Keep the conversation going on Instagram @everyonestalkinmoney Thank you to our sponsors! Policygenius - Head to policygenius.com to compare free life insurance quotes from top companies and see how much you could save. Ava - Help build your credit score with Meetava.com. Use promo code: Money Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Welcome to everyone's talking money. This September, we're doing something special, our back-to-school,
0:06.1	back-to-budget series. Just like the kids are getting back into routines, it's time for us to reset our
0:12.7	money routines too. Over the next four episodes, I'll help you shake off the summer spending hangover,
0:20.0	get your budget back in shape,
0:22.1	and set yourself up for a strong finish to the year.
0:25.6	Let's jump in.
0:37.4	While everyone else is making resolutions in January, smart money managers know the real new year starts in September.
0:46.9	In today's finale of our mini-series, I'm sharing why fall is the perfect time to set one powerful financial goal and how to make it
0:57.6	stick through year end and beyond. Over the past three episodes, we've covered a lot of ground
1:03.6	together. We started by resetting your money routine after the chaos of summer spending.
1:10.2	Then we did a fall financial checkup to make sure your
1:13.6	cash flow, savings, and debt are all pointing in the right direction. And last time, we talked
1:20.2	about smart spending strategies so you can enjoy the busy season without derailing your budget.
1:27.0	But today, today we're talking about something
1:29.7	that could be a total game changer for your finances, treating September as your financial
1:35.6	new year. Think about it. January could feel arbitrary, right? I mean, if it wasn't for the new year, January 1st wouldn't mean that
1:47.6	much to us. We're still recovering from holiday spending. The weather is depressing. You're trying to
1:54.6	force motivation when your energy is at the lowest. But September? September actually has natural momentum. Kids are back
2:04.5	in school, routines are settling in, and there's this fresh start energy in the air. Plus, and this is the
2:12.6	key, you've still got four solid months left in the calendar year. That's enough time to make real
2:20.6	progress on a meaningful goal, but not so much time that you lose focus. So today, I'm going to
2:27.7	show you how to harness that September energy and channel it into one powerful financial goal
	...

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