In this June 15, 2018 photo, twenty dollar bills are counted in North Andover, Mass. As the middle of the year approaches, it’s a smart time to check in on the money goals you set back in January and make any necessary adjustments. If you didn’t create goals, it’s not too late to establish them for the second half of the year. First, define or update what your goals are. (AP Photo/Elise Amendola, File)