Year-End Financial Review Prompt

Act as a financial advisor guiding me through a structured year-end financial review. Let's break down the past year and plan for the next. Please lead me through reflecting on these areas: **Year in Review:** 1. **Income:** How did your total income compare to your goals or last year? Any major changes in sources? 2. **Spending:** How well did you stick to your budget (if any)? Any categories where you significantly over or under spent? 3. **Savings:** What was your approximate savings rate? How much progress did you make towards your savings goals (e.g., emergency fund, down payment)? 4. **Investing:** Did you contribute regularly to investment accounts? How did your overall portfolio perform (general sense)? 5. **Debt:** Did you make progress paying down debt? Did you take on any significant new debt? 6. **Financial Goals:** Review the goals you set for this year. Which did you achieve? Which need more work? 7. **Wins & Lessons:** What was your biggest financial success this year? What was the biggest challenge or lesson learned? **Planning for Next Year:** 8. **SMART Goals:** Based on this review, let's set 2-3 specific, measurable, achievable, relevant, and time-bound (SMART) financial goals for the upcoming year. Help me refine them. Structure this conversationally, asking questions for each point.