Your Mid-Year Money Check-Up: 3 Money Moves to Build Wealth
Your Mid-Year Money Check-Up: 3 Money Moves to Build Wealth
It’s July, which means we’re halfway through the year.
Most people use this time to reflect on their goals, plan vacations, or think about what they want the rest of the year to look like.
I want you to do something different.
I want you to ask yourself one question:
Is your money working as hard as you are?
One of the biggest myths I hear as a money coach is:
“I’ll start building wealth once I make more money.”
The truth?
You don’t need a bigger paycheck to build wealth.
You need to optimize the money you already have.
Here are the three questions I encourage every client to ask during their mid-year money check-up.
1. Where is your cash parked?
If your emergency fund is sitting in a traditional checking or savings account earning next to nothing, your money isn’t doing its job.
One of the fastest financial wins is opening a high-yield savings account. It usually takes less than 10 minutes and can help your savings earn significantly more interest without changing your spending.
Ask yourself:
- Is my cash earning a competitive interest rate?
- Am I paying unnecessary bank fees?
- Is my emergency fund in the right place?
Sometimes building wealth isn’t about investing more.
It’s simply about putting your money in a better place.
2. Do you have a strategy for your debt?
Debt isn’t automatically good or bad.
The better questions are:
- What are my interest rates?
- Which balances should I prioritize first?
- Am I paying the minimum because it’s strategic—or because I haven’t made a plan?
When you understand your debt, it becomes a math problem instead of a shame problem.
The goal isn’t to feel guilty.
The goal is to become intentional.
3. Have you maxed out your Roth IRA?
If you’re eligible to contribute to a Roth IRA, ask yourself:
- Am I on track to max it out this year?
- Is my money actually invested?
- Do I understand what I’m invested in?
Contributing is only half the equation.
Your money also needs to be invested so it has the opportunity to grow.
The earlier in the year you contribute, the more time your investments have to compound.
Stop Waiting to Make More Money
You don’t need another raise before you start building wealth.
You don’t need the perfect investing strategy.
And you don’t need to have everything figured out.
You just need to start optimizing what you already have.
Whether that’s moving your cash into a high-yield savings account, creating a debt payoff strategy, or finally maxing out your Roth IRA, every decision you make today gives your future self more options.
That’s exactly what I help my clients do inside my private six-month money coaching program.
Listen to the Unicorn Millionaire Episode 147: 3 Mid-Year Money Moves to Build Wealth Without Making More Money | Roth IRA, HYSA & Debt
In my latest Unicorn Millionaire Podcast episode, I go deeper into the 3 midyear money moves to make to build wealth.
“3 Mid-Year Money Moves to Build Wealth Without Making More Money | Roth IRA, HYSA & Debt” 🦄
🎧Listen to Episode 147 of the Unicorn Millionaire Podcast on Spotify
🎧Listen to Episode 147 of the Unicorn Millionaire Podcast on Apple Podcasts
Ready to optimize your money?
If you want to build a six-figure retirement without needing a six-figure salary, join my free DOM YOUR DINERO emails. Every week, you’ll learn how to optimize your cash, credit, and investments so you can be your own sugar daddy now and still retire early.
And when you’re ready for personalized support that goes beyond what you can get from a podcast or Reddit, book a free Clarity Call to start my private money coaching program.
I’d love to help you make your money work for you.
If you want hands-on support understanding your investments, opening the right accounts, selling out of overpriced or underperforming funds, boosting your credit score, and building toward early retirement, you can learn more about my six-month one-on-one money coaching program.
I help LGBTQ+, BIPOC, and first-gen folks crush confusion around money and start building a six-figure retirement—even without a six-figure salary.
If you’re ready to maximize your savings and invest it, let’s work together.
We’ll get you on track to:
- Crush debt without shame
- Grow your cash in the right places
- Raise your credit score (see how my client raised her by 100 points in less than 6 months)
- Learn to sell stock without guilt
- Start building a six-figure retirement—even without a six-figure salary
Coaching includes bi-weekly calls, daily messaging, and a full curriculum covering savings, credit cards, debt payoff, investing, and money mindset.
Investment: $6,000 or two payments of $3,100.
Six-Month 1:1 Coaching includes:
- Bi-weekly calls
- Daily messaging support
- A full curriculum on savings, debt payoff, credit, investing, and money mindset
- Investment: $6,000 or two payments of $3,100
Or, sign up for my Crush Debt, Retire Early Emails here.
About Charly
I’m Charly Stoever (@travelercharly) — a trans Latinx money coach, speaker, and host of the Unicorn Millionaire Podcast. I help LGBTQ+, BIPOC, and first-gen folks crush debt and build a six-figure retirement—even without a six-figure salary.
As a formerly undocumented Mexican American and ex-stockbroker who’s traveled solo to 39 countries, I now coach full-time while also international pet sitting.
If you’re ready to stop avoiding your finances and start using your money on purpose, work with me.
Get your coaching FAQs answered here, and book a call with Charly to get started with 6 month coaching here.