A written checklist brings structure to your investing routine. It clarifies what deserves attention each month or quarter, reducing the chances of skipping maintenance tasks when life gets busy.

Start by listing the recurring actions that support your plan: verifying contributions processed, checking asset allocation, reviewing upcoming cash needs, and logging any portfolio changes. Keep the checklist short so it is realistic to complete.

Decide on a cadence for review, such as the first Saturday of each month. Attach the checklist to a calendar reminder or habit-tracking app and record notes after each session. Capturing context helps you remember why you made specific decisions and flags items to revisit later.

As your goals evolve, update the checklist. Remove steps that no longer add value, and add new habits that reinforce your current priorities. The consistency of review—not its complexity—is what keeps your process disciplined.