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09/03/2026

𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻: 𝗹𝗲𝘁'𝘀 𝘁𝗮𝗹𝗸 𝗲𝗺𝗲𝗿𝗴𝗲𝗻𝗰𝘆 𝗳𝘂𝗻𝗱𝘀.

How much should actually be in one? It's one of the most Googled money questions out there, and everyone gives you the same answer: three to six months of expenses.

What's your number? Drop it in the comments — I'll share mine there too.

09/01/2026

𝗕𝗮𝗰𝗸 𝘁𝗼 𝘀𝗰𝗵𝗼𝗼𝗹 𝘀𝗲𝗮𝘀𝗼𝗻 𝗶𝘀 𝗷𝘂𝘀𝘁 𝗮𝗯𝗼𝘂𝘁 𝗯𝗲𝗵𝗶𝗻𝗱 𝘂𝘀. 🙌
𝗪𝗵𝗶𝗰𝗵 𝗺𝗮𝗸𝗲𝘀 𝘁𝗵𝗶𝘀 𝘁𝗵𝗲 𝗽𝗲𝗿𝗳𝗲𝗰𝘁 𝘁𝗶𝗺𝗲 𝘁𝗼 𝗮𝘀𝗸 𝗮 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻.

What if next year's back to school expenses didn't feel so out of the blue?

These expenses feel so painful because they come all at once — school supplies, pictures, shoes, sports fees... all in the same few weeks.

But these expenses come every year. And that same total, if it were broken into small monthly pieces starting now, would barely get noticed.

𝗪𝗵𝗮𝘁'𝘀 𝗼𝗻𝗲 𝘆𝗲𝗮𝗿𝗹𝘆 𝗲𝘅𝗽𝗲𝗻𝘀𝗲 𝗶𝗻 𝘆𝗼𝘂𝗿 𝗹𝗶𝗳𝗲 𝘁𝗵𝗮𝘁 𝗰𝗼𝘂𝗹𝗱 𝗯𝗲 𝗯𝗿𝗼𝗸𝗲𝗻 𝗱𝗼𝘄𝗻 𝗶𝗻𝘁𝗼 𝘀𝗺𝗮𝗹𝗹 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗽𝗶𝗲𝗰𝗲𝘀?

08/27/2026

𝐑𝐞𝐜𝐚𝐥𝐢𝐛𝐫𝐚𝐭𝐢𝐧𝐠 𝐢𝐬 𝐡𝐨𝐧𝐨𝐫𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐚𝐫𝐞, 𝐚𝐧𝐝 𝐫𝐞𝐬𝐞𝐭𝐭𝐢𝐧𝐠 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐰𝐚𝐧𝐭 𝐭𝐨 𝐠𝐨?

I sat down with a business client this month for a mid-year check-in on their revenue goal.

Two things turned out to be true at once.

First, They were right on target for the number of jobs they'd planned to book, but the revenue just wasn't there. So, they needed to increase the number of jobs goal. Second, because their business is seasonal, their overall revenue goal needed to come down slightly because it wasn't realistic for the time they had left. They still set a goal that would stretch them, but not break them.

Up and down, in the same conversation. Neither one indicated failure or slacking off.

That's what recalibrating actually looks like sometimes. Not a full reset, not one clean direction, just an honest look at the numbers and the season you're actually in (pun intended).

𝗪𝗵𝗮𝘁 𝘄𝗼𝘂𝗹𝗱 𝗮𝗻 𝗵𝗼𝗻𝗲𝘀𝘁 𝗹𝗼𝗼𝗸 𝗮𝘁 𝘆𝗼𝘂𝗿 𝗻𝘂𝗺𝗯𝗲𝗿𝘀 𝘁𝗲𝗹𝗹 𝘆𝗼𝘂 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄?
𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗻𝗲𝗲𝗱 𝘁𝗼 𝘀𝗵𝗶𝗳𝘁 𝗮𝗻𝘆𝘁𝗵𝗶𝗻𝗴 𝘂𝗽 𝗼𝗿 𝗱𝗼𝘄𝗻?

08/25/2026

𝗡𝗼𝘁 𝗮 𝗳𝘂𝗹𝗹 𝗿𝗲𝘀𝗲𝘁. 𝗝𝘂𝘀𝘁 𝘀𝗺𝗮𝗹𝗹 𝗮𝗱𝗷𝘂𝘀𝘁𝗺𝗲𝗻𝘁𝘀.

We've been talking recently about recalibrating your goals in this back to school season.

Here's the permission slip I want to give you. Adjusting your goals is not failure. And none of what we're talking about means starting over. That's why I called it recalibrating.

It's about checking where you've drifted and nudging back toward what actually matters to you, not tearing everything down and rebuilding from scratch.

As summer winds down and routines return, this is a natural point to make that adjustment, before the last stretch of the year gets away from you.

If you want the fuller conversation, check out this month's blog. Link in the comments.

𝗪𝗵𝗮𝘁'𝘀 𝗼𝗻𝗲 𝘀𝗺𝗮𝗹𝗹 𝗮𝗱𝗷𝘂𝘀𝘁𝗺𝗲𝗻𝘁 𝘆𝗼𝘂 𝗰𝗼𝘂𝗹𝗱 𝗺𝗮𝗸𝗲 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄?

08/20/2026

𝗕𝗮𝗰𝗸 𝘁𝗼 𝘀𝗰𝗵𝗼𝗼𝗹 𝗶𝘀𝗻'𝘁 𝗮 𝗱𝗮𝘆. 𝗜𝘁'𝘀 𝗮 𝘀𝗲𝗮𝘀𝗼𝗻.

Sports physicals. Supply lists. Last-minute clothes shopping because they grew again. Practice schedules that weren't finalized until last week. None of it's on your calendar until suddenly it is, and it's eating an afternoon you didn't plan for.

By the end of it, you're craving routine. A regular schedule, a normal rhythm, something predictable again.

That craving is exactly why this season is such a natural point to recalibrate. It's a good time to go back to the goals you set in January and ask honestly if they're still worth pushing for, or if it's time to raise or lower the bar.

𝗪𝗵𝗮𝘁'𝘀 𝘁𝗵𝗲 𝗳𝗶𝗿𝘀𝘁 𝘁𝗵𝗶𝗻𝗴 𝘆𝗼𝘂'𝗿𝗲 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗳𝗼𝗿𝘄𝗮𝗿𝗱 𝘁𝗼 𝗼𝗻𝗰𝗲 𝘁𝗵𝗲 𝗿𝗼𝘂𝘁𝗶𝗻𝗲 𝗶𝘀 𝗯𝗮𝗰𝗸?

08/18/2026

𝗜𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗮 𝘀𝗼𝗹𝗼 𝘀𝗲𝗿𝘃𝗶𝗰𝗲 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗿, 𝘁𝗵𝗲 𝗶𝗻𝘃𝗲𝗻𝘁𝗼𝗿𝘆 𝘆𝗼𝘂 𝗺𝗮𝗻𝗮𝗴𝗲 𝗶𝘀𝗻'𝘁 𝗮 𝗽𝗿𝗼𝗱𝘂𝗰𝘁. 𝗜𝘁'𝘀 𝘁𝗶𝗺𝗲.

Yeah, I'm talking to you— coaches, mental health therapists, massage therapists, chiropractors, and all of you solo service providers.

This time of year, that inventory gets a bit messy. Summer throws everything off, and before you know it you've lost track of what you can actually get done. Usually we lose track of something bigger too, the goals we set back in January.

This month's blog goes deeper on exactly this, the messy time, the drifting goals, and recalibrating in this back to school season.

If you want the full conversation, check out this month's blog.
Link in the comments.

𝗪𝗵𝗮𝘁'𝘀 𝗲𝗮𝘁𝗶𝗻𝗴 𝘂𝗽 𝘆𝗼𝘂𝗿 𝘁𝗶𝗺𝗲 𝘁𝗵𝗶𝘀 𝘀𝗲𝗮𝘀𝗼𝗻?

08/13/2026

𝗧𝗶𝗺𝗲 𝘁𝗼 𝗿𝗲𝗰𝗮𝗹𝗶𝗯𝗿𝗮𝘁𝗲 𝘁𝗵𝗲 𝗴𝗼𝗮𝗹𝘀?

If you've already hit your goals, or you're way ahead of schedule, maybe it's time to recalibrate upward. Sometimes that just means the work got easier, or you're simply capable of more now than you were back in January.

And if you're looking at lowering the bar instead, that's not failure either. It might mean the season changed, or the goal was never quite right to begin with.

Neither direction needs an explanation. A goal is really about who we become in the process of striving to meet it, not the number itself.

Haven't read (or listened to) this month's blog yet? Link's in the comments.

𝗛𝗮𝘃𝗲 𝘆𝗼𝘂 𝗿𝗮𝗶𝘀𝗲𝗱 𝗼𝗿 𝗹𝗼𝘄𝗲𝗿𝗲𝗱 𝗮 𝗴𝗼𝗮𝗹 𝘁𝗵𝗶𝘀 𝘆𝗲𝗮𝗿? 𝗪𝗵𝗶𝗰𝗵 𝗼𝗻𝗲?

08/11/2026

𝗜𝘀 𝘁𝗵𝗲 𝗴𝗼𝗮𝗹 𝘀𝘁𝗶𝗹𝗹 𝘄𝗼𝗿𝘁𝗵 𝗽𝘂𝘀𝗵𝗶𝗻𝗴 𝗳𝗼𝗿?

Usually in January, most of us set a goal with real conviction. By August, it can feel like a stranger, or worse, like an enemy to avoid.

This week I'm asking myself the same question I ask my clients: is the goal still worth pushing for, or does it need to be recalibrated? Sometimes raising the bar just means catching up to who you've become. Sometimes lowering it is the most honest thing you can do for the season you're in.

There's no shame either way. A goal is really about who we become in the process of striving to meet it.

If you want the full conversation, check out this month's blog. Link in the comments.

𝗪𝗵𝗮𝘁'𝘀 𝗼𝗻𝗲 𝗴𝗼𝗮𝗹 𝗳𝗿𝗼𝗺 𝗝𝗮𝗻𝘂𝗮𝗿𝘆 𝘆𝗼𝘂'𝘃𝗲 𝗯𝗲𝗲𝗻 𝗻𝗲𝗴𝗹𝗲𝗰𝘁𝗶𝗻𝗴 𝘁𝗼 𝗹𝗼𝗼𝗸 𝗮𝘁?

08/06/2026

𝗛𝗲𝗿𝗲'𝘀 𝗮𝗻 𝗶𝗱𝗲𝗮 𝗜'𝗺 𝘁𝗿𝘆𝗶𝗻𝗴.

This week is the week before school starts. My boys are wrapping up summer jobs, starting fall sports, and I'm playing Uber Mom— running them around everywhere they need to go, school supply & clothes shopping, and all the other things that are popping up on my calendar almost daily.

So I'm leaning in heavily on this new thing I'm calling 𝗿𝗲𝘃𝗲𝗿𝘀𝗲 𝗰𝗮𝗹𝗲𝗻𝗱𝗮𝗿𝗶𝗻𝗴, to see if I can find some more time in my schedule. Turns out, when I map out the few open spots I knew I had this week there was more time in the cracks of running around than I thought.

𝗔𝗻𝘆𝗼𝗻𝗲 𝗲𝗹𝘀𝗲 𝘁𝗿𝘆𝗶𝗻𝗴 𝘁𝗼 𝘀𝘁𝗲𝗮𝗹 𝗯𝗮𝗰𝗸 𝗮 𝗳𝗲𝘄 𝗺𝗶𝗻𝘂𝘁𝗲𝘀 𝘁𝗼 𝘀𝘁𝗮𝘆 𝗽𝗿𝗼𝗱𝘂𝗰𝘁𝗶𝘃𝗲 𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸?

08/04/2026

𝗧𝗲𝗹𝗹 𝗺𝗲 𝗶𝗳 𝘁𝗵𝗶𝘀 𝗿𝗲𝘀𝗼𝗻𝗮𝘁𝗲𝘀 𝘄𝗶𝘁𝗵 𝘆𝗼𝘂.

Every year, right around mid-July, almost like a switch is flipped, I start counting down to the first day of school.

Then, I start to crave, and even feel a bit desperate for, a normal schedule where I can actually be productive without interruption. I remember the goals I set back at the beginning of the year and wonder how off target I am. Some of them I haven't looked at in weeks. Others I've looked at and quietly ignored.

With back to school and the change of season, most of us are starting to look at getting back to a normal rhythm, checking where we've drifted and adjusting back toward what matters. This month's blog is all about that time of year, and recalibrating.

𝑵𝒆𝒘 𝒕𝒉𝒊𝒔 𝒎𝒐𝒏𝒕𝒉, in addition to being able to read the blog, you can also choose to listen to me talk through it. Fair warning, the audio is a first attempt, rough around the edges, but the message is still the same. So be kind.

🔗 Blog link, with audio, in the comments.

𝗧𝗲𝗹𝗹 𝗺𝗲 𝗵𝗼𝘄 𝘆𝗼𝘂'𝗿𝗲 𝗳𝗲𝗲𝗹𝗶𝗻𝗴 𝗿𝗶𝗴𝗵𝘁 𝗻𝗼𝘄. Are you cool as a cucumber, or are you also getting antsy for the normal schedule that back to school brings?

Address

Milliken, CO
80543

Telephone

+19709803516

Website

http://Cardocoaching.com/

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