The late summer reset your finances needed

Late summer is when our financial habits finally show themselves. On my recent radio appearance with RTHK’s Carolyn Wright, I talked about why so many of us put off investing until August, not because we don’t care, but because life in Hong Kong is intense and we’re often running on autopilot.
When Christmas emails start appearing and tax season edges closer, we suddenly realise the year has slipped by. I shared how simple behavioural shifts — one small decision, one automated step, one tidy‑up — can turn that moment of panic into progress. It’s never about perfection. It’s about starting, and late summer is the perfect time to do it.





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