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Leveraging Summer Trips for Reflective Rejuvenation


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June 02, 2024

You may be eagerly preparing for that summer trip with your significant other or kids, looking forward to switching on that out-of-office message. But beyond the excitement for fun and relaxation, this time away offers a unique opportunity to escape the daily grind and truly reflect on your financial and life goals. Here are various ways to make your time off both memorable and meaningful.

Financial Goals Assessment

Assess Your Financial Health During Vacation

Summer vacations provide a perfect backdrop for reviewing and reassessing financial goals. With the change in environment, it's easier to take a step back and see the bigger picture. During a leisurely morning or a quiet evening, take the time to go through your financial statements, budget, and spending habits. Identify areas of overspending, such as unnecessary subscriptions or impulse purchases, and determine if you are on track with your savings goals, including retirement and emergency funds.

Reflect on Long-Term Financial Aspirations

Reflect on your long-term financial aspirations, considering whether your current savings rate and investment strategy will allow you to retire comfortably. Develop or update your financial plan, setting realistic short-term and long-term savings goals and planning for upcoming major expenses like vacations, home renovations, or significant life events.

Life Goals Re-evaluation

Reassess Your Life Goals Away from the Daily Grind

A break from the daily grind offers an ideal opportunity to reassess your life goals. Reflect on your personal and professional aspirations to lead a more fulfilling life. Assess your current level of happiness and fulfillment by identifying activities that bring you joy and those that cause stress.

Evaluate Your Career Path

Evaluate your job and career trajectory, pondering whether your current role aligns with your values and interests and if you aspire for career advancement or change. Analyze your work-life balance, ensuring you spend enough quality time with family and friends and have leisure time for hobbies and relaxation. Strengthening relationships and pursuing personal happiness are crucial steps toward a more balanced life.

Set New Objectives

Identify Areas for Personal Growth

After evaluating your current situation, setting new objectives can provide direction and motivation. Identify areas for personal growth, such as learning a new skill or hobby, and improving physical health through diet and exercise.

Enhance Your Career

Consider ways to enhance your career, like pursuing additional training or certifications and networking with professionals in your field. Strengthen relationships by planning regular family activities and scheduling time for meaningful conversations with loved ones. Setting clear goals for personal growth, professional development, and family relationships helps create a roadmap for a more fulfilling and successful life.

Create a Balanced Action Plan

Develop a Plan to Achieve Your Goals

To ensure that your reflections lead to concrete outcomes, develop a balanced action plan so that you can carry the momentum forward following your trip. Outline immediate actions to take once you return, such as adjusting your monthly budget and starting a new hobby or fitness routine. Develop a strategy for achieving larger objectives over time, like planning for career changes or advancements and saving for major life events.

Schedule Regular Reviews

Schedule periodic reviews to track your progress and adjust as needed. Regular financial reviews help stay on top of your budget and savings, while quarterly assessments of personal and professional goals ensure you are moving in the right direction. A balanced action plan keeps you focused and motivated to achieve your goals.

Prepare for Post-Trip Integration

Integrate Insights into Everyday Life

Finally, to make sure your insights and plans are not forgotten, prepare for how you will integrate these changes into your everyday life once you return. Ensure you have concrete steps to follow, such as setting reminders for regular financial reviews and goal assessments, and scheduling time for new activities or learning opportunities. Keep the momentum going by revisiting your travel journal and photos, regularly reminding yourself of the goals and plans you've set.

Celebrate Progress

Reflecting on the serene moments and insights from your trip can help maintain motivation. Celebrate small milestones to maintain enthusiasm and recognize your progress. Integrating your reflections and plans into daily life ensures lasting benefits from your summer trip.

Summer trips can be a powerful catalyst for meaningful change. By using this time to reflect on your financial and life goals, you can return not only rejuvenated but also with a clear, actionable plan to improve various aspects of your life. Balancing relaxation with thoughtful reflection ensures that your time off is both memorable and impactful.


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About the author

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Kurt Brucker

Vice President, Private CFO®

A native of Marietta, Kurt graduated from Kennesaw State University (KSU), Summa Cum Laude, with a BBA in Finance and a Coles Scholars minor (top 10 in the business school). Kurt used his experience in the business school to quickly transition and make an impact at oXYGen Financial. In 4 years Kurt has risen from intern all the way to Vice President & Private CFO®.

Kurt lives in Buckhead with his wife Megan and is very involved with the faith community including Passion City Church. He is a die-hard Atlanta sports fan and loves to play golf and meet new people. Kurt is a very driven and motivated individual with a passion for helping others see their dreams come true.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. oXYGen Financial is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice. Investor Disclosures: https://bit.ly/KF-Disclosures

The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regard to your individual situation.

Background and qualification information is available at FINRA's BrokerCheck website.

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Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. oXYGen Financial is not affiliated with Kestra IS or Kestra AS. Kestra IS and Kestra AS do not provide tax or legal advice. https://Bit.ly/KF-Disclosures

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