 You park in the same spot, you eat the same lunch, and you have your favorite go-to jeans. We're creatures of habit. We do what makes us feel comfortable, but lather, rinse, and repeat might not be the best idea when it comes to your finances. Take retirement planning, for example. As interest rates have gone up, that stock and bond mix in your 401k has probably gone down. When was the last time you made any significant adjustments?