September 18, 2025 • 9 mins
Does September feel like a fresh start to you? Between back-to-school routines, new schedules, and the “-ber” months rolling in, fall often feels like a mini New Year. And unlike champagne-fueled January goals, the ones we set in September often stick.
This is the perfect moment to pause and ask: what do you want your money to do for you—not next year, but in the final stretch of this year?
In this episode you’ll learn:
- Why September is the best time for a money reset (and why fall goals last longer than New Year’s resolutions)
- How to reflect on your summer spending—wins and regrets—and use that data to shape the rest of your year
- The power of micro goals: how one small target (pay off a credit card, save $1,000) can build clarity, momentum, and confidence
- Simple systems to simplify your money before the holidays: subscriptions, autopays, weekly money check-ins, and meal planning
- Three action steps to finish the year with financial peace and purpose
Your financial story isn’t over yet—you still have time to create real wins before December 31.
Want more support as you reset your money mindset? Join us inside the free Legacy Builders Network Facebook group. We’re gearing up for October’s 7-Day Money Mindset Shift Challenge, the perfect way to finish the year focused and free.
Learn more about working with Laura Sexton
. Join the Facebook group Legacy Builders Network.
· Become a master with your money. Learn more here!
· Checkout the resource library here!
Want to ask a question Laura can answer on the podcast? Connect with her here!
Want to receive a live money or career audit? Apply Here
Send an email to Laura@AccelerateYourLegacy.com or send a DM on Instagram @accelerateyourlegacy
Elevate your coaching with daily devotionals and prayers from 'Seasoned with Salt.' Get your copy HERE!
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Laura (00:00):
January isn't the only time to set goals and fall might
actually be better.
hello and welcome to money andcareer mastery from overwhelmed
to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
(00:21):
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
(00:42):
Hey, accelerators.
Today I wanna talk to you abouthow September can sometimes feel
like a mini new year.
New routines, new schoolschedules, and I am craving
structure.
You've probably found yourselfreflecting about your own
changes in new routines, and ifyou think honestly about it,
(01:02):
your goals.
You probably are looking atthose differently than you did
way back in January.
You might even share the samefeeling that I'm having where
I'm more likely to stick to mygoals that I've set in September
than the ones I made in the glowof champagne on New Year's Eve.
So maybe I was just deliriousfrom sleep deprivation.
(01:23):
This is the perfect moment foryou to pause and get clear about
what you want your money to dofor you, not next year, but this
quarter.
And maybe you're like, Laura,I'm not in business.
I don't think of things inquarters.
Well, let's just look at things.
How they are right now, the yearit's coming to an end.
I don't know if you're noticingthis or not, but we are in the
(01:48):
bur months.
We are in the middle ofSeptember.
We are about to hit October,which brings Halloween and
November, which bringsThanksgiving and December, which
brings Christmas and then a newyear.
What would it look like for youto just finish this year?
Strong finish with clarity,momentum, and financial peace.
(02:13):
I find that fall is the perfecttime to do a reset.
My routines, they're finallystabilizing.
Even in my very busy life withfive children, yes, I'm still
adding things all the time.
My oldest daughter decided shewanted to learn how to play the
violin, which is probably one ofthe scariest scratchies things
I've ever heard of.
(02:33):
This is what she wants to do.
And so we are falling into a newroutine.
Now that we're here in the fall,I like how it hits.
We are falling into this newroutine of Mondays.
New day at school, we're gettingthings into the rhythm of
things.
Tuesdays, we have Girl Scouts.
Wednesdays I have Bible study.
There's so many things that weare falling into and it's
(02:54):
starting to feel normal.
It's starting to feel routine.
This is a great time for me tolook and say, okay, what else do
I wanna add?
What I have been adding is I'vebeen working with a nutritionist
to help me create meal plans tohelp me create smart decisions
with my food choices.
Also working with a trainer todo some light workouts at home,
(03:17):
to work with some of the changesthat my body has made after
having my fifth child.
But now that we're this far intothe year, you have some real
data about how the year has goneso far.
You can sit down and you canlook at what worked.
You can sit down and look atwhat didn't.
You still have enough time leftin your year to make meaningful
(03:40):
progress on those things thatyou said were important to you
back in January.
So stop.
Let's reflect on it, right?
Let's look at what we spent.
We don't even have to go all theway back to January.
Let's go over our summerspending.
Summers.
Often it's messy and expensive,and sometimes we get so out of
our rhythms that we just say,okay, whatever.
(04:01):
I don't care, and we start tohave some problems.
But before we get into the messyand the expensive, I want you to
tell yourself what your biggestbudget wins were.
Look at the last three months.
Where did you succeed?
That's the first place to look.
What went well?
What do we want to do again?
Because I want you to look atthose things and I want you to
(04:22):
implement them for the rest ofthe year.
I also want you to look at yourregrets for the last three
months.
What did not go well?
What are you wanting to change?
What do you want to make surenever happens again?
And what expenses are no longerrelevant now that the season is
changing?
If you had swim lessons, you'reprobably not doing that anymore.
You had.
(04:42):
Extra time at daycare, that'sprobably not going to happen
anymore'cause your kids are backin school.
As these seasons are changing,now is the perfect time to
decide what's right for you andmove forward with it.
But since we're into Q4 and weare into the bur months and
things are getting close totricky with holidays coming up,
(05:07):
try to set a micro goal for therest of the year instead of
saying, I wanna get out of debt,which is an excellent goal, and
I really, really want that foryou.
Try paying up one credit card,one line of credit, one extra
debt that you have.
Try to pay off one between nowand the end of the year.
Instead of, I wanna buildwealth, try to save$1,000
(05:28):
towards your emergency fund.
These are micro goals, okay?
This is a quick win, plusclarity, plus confidence.
That's how you get to your microgoals.
So, quick wins.
Quick wins are so incrediblyimportant.
Consider 30, 60, 90 day goals.
Okay?
If our 100 day goal is at theend of the year and we wanna
say, have an extra thousanddollars saved up.
(05:50):
Great.
That's a thousand dollars by 90days.
$600 by 60 days.
That's$250 by 30 days.
Get your goals to align with theupcoming holidays because we
know that we have some expensescoming up.
We know that things are gonnaget crazy.
Get narrowly focused on whatyour one goal is going to be
between now and the end of theyear, and let's tackle it with
(06:14):
gusto.
One of the things that you cando is simplify your systems.
Now, this is something that I amreally honing in on on my
business, but it's something weneed to do in our bank accounts
and our auto pays and oursubscriptions.
All of the things that we havealready happening, we need to go
in and audit those.
We need to say, okay, what ofthese things are we happy with?
(06:35):
How things are going?
What are we not happy?
What do we need to change?
Subscription prices are gonna begoing up.
They always do in the new year.
What is still worth it to you?
What is not worth it to you?
Check your auto pays.
What are important to you tohave coming out?
Check your bank accounts.
What is important to you?
Then choose one small habit torestart.
These are things that you reallyneed to be doing already, but if
(06:58):
you're not doing them, pick oneof these and start and use it
for the next 90 days.
A weekly money check-in, that'severy Sunday.
My husband and I sit down andsee where our money is going,
how we feel about it, what'sgonna be coming up in the next
week.
That's really, really important.
Track your spending again.
I would prefer you budget it andplan it and decide ahead of
(07:18):
time.
But if you haven't been doingthat, go back and track where
you've been spending your money.
'cause then you can decide howyou wanna spend it in the
future.
Plan your meals or cash out yourclutter.
These are two things we've beendoing inside the Facebook group
where we have been focusing onhow to win with our money.
Meal planning is huge and me andmy nutritionist have been
(07:40):
working on this both on anutritional standpoint.
Things that we wanna make surethat we are feeding both myself
and my children.
My husband Fends for himself'cause he's on his own meal plan
and cashing out our clutterguys.
You have too much stuff in yourhouse, I promise you.
We just donated six trash bagsfull of toys that we no longer
(08:01):
need in our house.
What was really fun about it waswe kept it in the back of the
car for a couple of days to seeif the kids noticed anything
missing.
They did not.
Here are your action steps forthe week.
Reflect on what has worked andwhat hasn't.
Figure out what financially thisyear you've enjoyed, what you
haven't enjoyed, and then focuson either continuing to do the
(08:23):
things that have worked anddiscontinuing the things that
have not step number two, setone clear small financial goal
to finish out this year.
And number three, choose onesystem to simplify this month.
Be your subscriptions, yourspending, your check-ins,
whatever that simple system isfor you.
Go ahead and get that started.
If you're ready to not just setyour goals, but reset your
(08:44):
mindset, come join us in thefree Facebook group, the Legacy
Builders Network with LauraSexton.
We are preparing for October'sseven day money mindset shift
challenge, and is the perfectway for you to finish the year
focused and free.
The link is down in the shownotes, or you can find us on
Facebook.
Just type in Legacy BuildersNetwork with Laura Sexton.
(09:05):
Come back and join us on Mondayfor a question of the day
episode.
Until then, go out and make adifference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
(09:26):
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
(09:47):
legacy with intention.
January isn't the only time to set goals and fall might
actually be better.
hello and welcome to money andcareer mastery from overwhelmed
to ownership.
I'm Laura Sexton, your abundanceand legacy coach here to help
you navigate the world of money,debt payoff, and career growth
with confidence and clarity.
(00:21):
In this podcast, we'll tacklethe financial and career
challenges, holding you back,optimize your income and build
the freedom that comes with trueownership.
If you're ready to break freefrom overwhelm, create a budget
that aligns with your values anddesign a legacy that empowers
future generations.
You're in the right place.
(00:42):
Hey, accelerators.
Today I wanna talk to you abouthow September can sometimes feel
like a mini new year.
New routines, new schoolschedules, and I am craving
structure.
You've probably found yourselfreflecting about your own
changes in new routines, and ifyou think honestly about it,
(01:02):
your goals.
You probably are looking atthose differently than you did
way back in January.
You might even share the samefeeling that I'm having where
I'm more likely to stick to mygoals that I've set in September
than the ones I made in the glowof champagne on New Year's Eve.
So maybe I was just deliriousfrom sleep deprivation.
(01:23):
This is the perfect moment foryou to pause and get clear about
what you want your money to dofor you, not next year, but this
quarter.
And maybe you're like, Laura,I'm not in business.
I don't think of things inquarters.
Well, let's just look at things.
How they are right now, the yearit's coming to an end.
I don't know if you're noticingthis or not, but we are in the
(01:48):
bur months.
We are in the middle ofSeptember.
We are about to hit October,which brings Halloween and
November, which bringsThanksgiving and December, which
brings Christmas and then a newyear.
What would it look like for youto just finish this year?
Strong finish with clarity,momentum, and financial peace.
(02:13):
I find that fall is the perfecttime to do a reset.
My routines, they're finallystabilizing.
Even in my very busy life withfive children, yes, I'm still
adding things all the time.
My oldest daughter decided shewanted to learn how to play the
violin, which is probably one ofthe scariest scratchies things
I've ever heard of.
(02:33):
This is what she wants to do.
And so we are falling into a newroutine.
Now that we're here in the fall,I like how it hits.
We are falling into this newroutine of Mondays.
New day at school, we're gettingthings into the rhythm of
things.
Tuesdays, we have Girl Scouts.
Wednesdays I have Bible study.
There's so many things that weare falling into and it's
(02:54):
starting to feel normal.
It's starting to feel routine.
This is a great time for me tolook and say, okay, what else do
I wanna add?
What I have been adding is I'vebeen working with a nutritionist
to help me create meal plans tohelp me create smart decisions
with my food choices.
Also working with a trainer todo some light workouts at home,
(03:17):
to work with some of the changesthat my body has made after
having my fifth child.
But now that we're this far intothe year, you have some real
data about how the year has goneso far.
You can sit down and you canlook at what worked.
You can sit down and look atwhat didn't.
You still have enough time leftin your year to make meaningful
(03:40):
progress on those things thatyou said were important to you
back in January.
So stop.
Let's reflect on it, right?
Let's look at what we spent.
We don't even have to go all theway back to January.
Let's go over our summerspending.
Summers.
Often it's messy and expensive,and sometimes we get so out of
our rhythms that we just say,okay, whatever.
(04:01):
I don't care, and we start tohave some problems.
But before we get into the messyand the expensive, I want you to
tell yourself what your biggestbudget wins were.
Look at the last three months.
Where did you succeed?
That's the first place to look.
What went well?
What do we want to do again?
Because I want you to look atthose things and I want you to
(04:22):
implement them for the rest ofthe year.
I also want you to look at yourregrets for the last three
months.
What did not go well?
What are you wanting to change?
What do you want to make surenever happens again?
And what expenses are no longerrelevant now that the season is
changing?
If you had swim lessons, you'reprobably not doing that anymore.
You had.
(04:42):
Extra time at daycare, that'sprobably not going to happen
anymore'cause your kids are backin school.
As these seasons are changing,now is the perfect time to
decide what's right for you andmove forward with it.
But since we're into Q4 and weare into the bur months and
things are getting close totricky with holidays coming up,
(05:07):
try to set a micro goal for therest of the year instead of
saying, I wanna get out of debt,which is an excellent goal, and
I really, really want that foryou.
Try paying up one credit card,one line of credit, one extra
debt that you have.
Try to pay off one between nowand the end of the year.
Instead of, I wanna buildwealth, try to save$1,000
(05:28):
towards your emergency fund.
These are micro goals, okay?
This is a quick win, plusclarity, plus confidence.
That's how you get to your microgoals.
So, quick wins.
Quick wins are so incrediblyimportant.
Consider 30, 60, 90 day goals.
Okay?
If our 100 day goal is at theend of the year and we wanna
say, have an extra thousanddollars saved up.
(05:50):
Great.
That's a thousand dollars by 90days.
$600 by 60 days.
That's$250 by 30 days.
Get your goals to align with theupcoming holidays because we
know that we have some expensescoming up.
We know that things are gonnaget crazy.
Get narrowly focused on whatyour one goal is going to be
between now and the end of theyear, and let's tackle it with
(06:14):
gusto.
One of the things that you cando is simplify your systems.
Now, this is something that I amreally honing in on on my
business, but it's something weneed to do in our bank accounts
and our auto pays and oursubscriptions.
All of the things that we havealready happening, we need to go
in and audit those.
We need to say, okay, what ofthese things are we happy with?
(06:35):
How things are going?
What are we not happy?
What do we need to change?
Subscription prices are gonna begoing up.
They always do in the new year.
What is still worth it to you?
What is not worth it to you?
Check your auto pays.
What are important to you tohave coming out?
Check your bank accounts.
What is important to you?
Then choose one small habit torestart.
These are things that you reallyneed to be doing already, but if
(06:58):
you're not doing them, pick oneof these and start and use it
for the next 90 days.
A weekly money check-in, that'severy Sunday.
My husband and I sit down andsee where our money is going,
how we feel about it, what'sgonna be coming up in the next
week.
That's really, really important.
Track your spending again.
I would prefer you budget it andplan it and decide ahead of
(07:18):
time.
But if you haven't been doingthat, go back and track where
you've been spending your money.
'cause then you can decide howyou wanna spend it in the
future.
Plan your meals or cash out yourclutter.
These are two things we've beendoing inside the Facebook group
where we have been focusing onhow to win with our money.
Meal planning is huge and me andmy nutritionist have been
(07:40):
working on this both on anutritional standpoint.
Things that we wanna make surethat we are feeding both myself
and my children.
My husband Fends for himself'cause he's on his own meal plan
and cashing out our clutterguys.
You have too much stuff in yourhouse, I promise you.
We just donated six trash bagsfull of toys that we no longer
(08:01):
need in our house.
What was really fun about it waswe kept it in the back of the
car for a couple of days to seeif the kids noticed anything
missing.
They did not.
Here are your action steps forthe week.
Reflect on what has worked andwhat hasn't.
Figure out what financially thisyear you've enjoyed, what you
haven't enjoyed, and then focuson either continuing to do the
(08:23):
things that have worked anddiscontinuing the things that
have not step number two, setone clear small financial goal
to finish out this year.
And number three, choose onesystem to simplify this month.
Be your subscriptions, yourspending, your check-ins,
whatever that simple system isfor you.
Go ahead and get that started.
If you're ready to not just setyour goals, but reset your
(08:44):
mindset, come join us in thefree Facebook group, the Legacy
Builders Network with LauraSexton.
We are preparing for October'sseven day money mindset shift
challenge, and is the perfectway for you to finish the year
focused and free.
The link is down in the shownotes, or you can find us on
Facebook.
Just type in Legacy BuildersNetwork with Laura Sexton.
(09:05):
Come back and join us on Mondayfor a question of the day
episode.
Until then, go out and make adifference.
thank you for spending time withus today on Money and Career
Mastery from Overwhelm toOwnership.
Remember, your legacy isn't justabout financial freedom.
It's about living with purpose,taking action, and building a
foundation that lasts forgenerations.
(09:26):
Don't just listen, implementwhat you've learned and share it
with someone who could use afinancial or career
breakthrough.
If you found value in today'sepisode, help us grow by rating,
reviewing, and sharing thepodcast.
I'll be back next week with morestrategies to help you master
your money and career.
Until then take ownership ofyour future and build your
(09:47):
legacy with intention.
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