Core Insights - The article emphasizes the importance of conducting a financial review, particularly as the year ends and tax season approaches [1] Group 1: Signs for Financial Review - Missed payments or overdraft charges indicate a need for a financial review, as money should work for the individual rather than against them [3][4] - Running out of money each month and juggling multiple credit card balances suggests a need to reorganize finances [5] - Avoiding bank statements is a serious sign of financial distress, indicating a potential collapse [7] Group 2: Strategies for Financial Refresh - A mindset shift is essential for a financial refresh, utilizing the "RIR Method" to recognize, interrupt, and reframe negative financial thoughts [7][9] - Persistent anxiety about money that affects sleep or health is a significant indicator that a financial review is necessary [8]