As 2024 comes to a close, it’s a good time to reflect—not just on what you’ve achieved, but on where you are and where you’re heading. It’s about understanding what worked, and how you can take meaningful steps toward a better future. For me, financial reflection is about more than numbers. It’s about the freedom and security to make choices, and the ability to live a life that feels aligned with your values. Here’s a guide to help you reflect on your year and plan for what’s next.