In this episode of Money and Taxes from Bb to XYZ, Jason Speciner, CFP®, EA, and Regina Neenan, CFP®, ABFP®, explain why February — not January — is the ideal time to reset your budget and cash-flow plan. With holiday spending behind you and a clearer picture of your real monthly expenses available from January, February offers the opportunity to make meaningful, realistic adjustments early enough to influence the rest of the year. The conversation covers practical steps like reviewing subscriptions, right-sizing recurring expenses, planning for large upcoming purchases, as well as aligning savings with short- and long-term goals. Regina and Jason also emphasize that cash flow planning isn’t about restriction. Instead, iit’s about intentionality, balance, and aligning spending with your values while supporting the rest of your financial plan.
Takeaways
- February is the ideal time to reset your budget with a clearer view of real spending after the holidays.
- Cash-flow planning is about intentional, values-based spending — not simply cutting costs.
- Align savings and upcoming large expenses with your plan by moving near-term money away from investment risk and into cash.
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Disclosures
Jason Speciner and Regina Neenan are investment advisor representatives of FPFoCo, a registered investment advisor. The information in this podcast is for general educational and entertainment purposes only. It may not apply to your individual circumstances and should not be considered financial, investment, or tax advice.
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