Today is June 28th. One day closer to completing the first half of 2026. And I am sitting here looking at my 2026 bingo card with zero boxes checked and a lot of feelings about that. 🤎🙄

The honest version of this moment — the one I am choosing to share with you instead of waiting until everything looks prettier — is that the first half of 2026 was full of movement, full of progress, and full of real life happening in real time. The numbers moved. The goals advanced. The work got done. But the boxes? Are still empty.

And here is what I have learned about goals — being close is not the same as being done, but being close means the second half is where it all comes together. 🤎

So today I am showing you exactly where every goal stands at the halfway point. And then I am mapping out the exact plan — skills, people, habits, and tools — that gets every single box checked before December 31st.

This is not a highlight reel. This is a mid-year business meeting with myself — and you are invited. 🤎

Every goal I set for myself in January — visible, honest, and exactly where it stands today.

At the beginning of 2026 I created a bingo card with every major goal I wanted to accomplish this year. Not just financial goals — life goals. Health. Relationships. Career. Business. The whole picture of what a great 2026 looks like for our household.

Here is where every single square stands right now on June 28th:

No filters. No rounding up. Just exactly where every number stands on June 28th.

This is the part of the mid-year check-in most people skip because the numbers are not where they planned them to be. I am not skipping it. Here is exactly where we stand: 🤎

What actually happened in the first half of 2026 — the wins, the gaps, and what I learned.

The first half of 2026 was genuinely eventful. My husband started a new job. We switched to an alternate biweekly pay schedule. We navigated a credit card balance from birthday spending and built a payoff plan. We launched new Paper By Moe content consistently. We took the Poconos trip. We built the budget system from scratch around new income and new timing.

That is not a half-year of sitting still. That is a half-year of building — even when the building did not feel dramatic or fast enough. 🤎

The two areas where I am being the most honest with myself heading into the second half — therapy and consistent physical health. These are not financial goals but they affect every financial goal I have. My mental clarity, my energy, my discipline, my ability to show up consistently for Paper By Moe and for my household — all of it connects back to whether I am taking care of myself physically and emotionally.

The second half of 2026 requires that I treat these two boxes with the same intentionality I give to the savings goals and the YouTube goals. Because a burnout version of Moe cannot build the financial future Paper By Moe is designed for. 🤎

Every goal has four components — here is exactly what each one requires to get finished by December 31st.

A goal without a system is just a wish. So for each of my four main goal categories I am mapping out the four things I actually need — the skills to develop, the people to lean on, the habits to build, and the tools to use. This is how the second half gets different results than the first. 🤎

Six months. Every goal. The exact plan to check every box before December 31st.

Here is what the second half of 2026 looks like goal by goal — specific, honest, and built around the real numbers and real timeline we are working with: 🤎

If your mid-year check-in showed more spending than saving — this is where the second half starts.

If you did your own mid-year check-in today and the numbers are not where you hoped — the July No Spend Challenge is the reset button this community built together. 🤎

Starting July 1st — 31 days of zero discretionary spending. Every dollar you would have spent gets redirected intentionally toward a financial goal. Debt. Savings. Emergency fund. Whatever your second half needs most.