Free Money Date template
Money Date: Yearly Financial Check-In
Seven prompts for the end-of-year Money Date: bigger picture than the monthly review, less specific than long-term planning.
By The DuetWallet Team · Last updated May 26, 2026
Why this conversation matters
Weekly Money Dates handle the rhythm. Monthly reviews handle the calibration. Once a year, the two of you need to step back and look at the whole year: what changed, what's about to change, and what direction you're actually heading.
1 hour
is the right length for this one, not 20 minutes
December
or January. Pick a fixed week so it actually happens
The 7 conversation prompts
Set 20 minutes. Make tea. Let's start.
What's our overall picture vs. a year ago?
Income, savings, debt, goals: directional snapshot.
Things to consider
- Net worth change
- Income change
- Major debt changes
What worked this year?
What habits, decisions, or systems actually moved the needle?
Things to consider
- Specific financial wins
- Systems we kept up
- Decisions we got right
What didn't work this year?
What slipped, what stayed broken, what didn't deliver?
Things to consider
- Goals that didn't move
- Systems that drifted
- Decisions we'd revisit
What's coming next year we already know about?
Big purchases, life events, career changes, family obligations.
Things to consider
- Known expenses
- Income changes
- Major life events
What are our 3 financial priorities for next year?
No more than 3. Specific enough to act on.
Things to consider
- One savings or goal priority
- One debt or risk-reduction priority
- One quality-of-life or experience priority
What's one thing we're going to stop doing?
A subscription, a habit, a default. Pruning is as valuable as adding.
Things to consider
- Subscriptions to cancel
- Habits to drop
- Defaults to change
What are we proud of as a money team this year?
Name it out loud.
Things to consider
- One financial thing
- One relationship thing
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