We’ve had a great summer here in the Boston area. But the relentless fires, storms and weather extremes across the rest of the country should have us taking stock of our own vulnerabilities. The insurance industry has already come to its own conclusions: the future is looking expensive.

I’m not thinking this post will make me popular, but honestly, we would be a much happier population next April if we each spent an hour or less reviewing the tax situation now, in July.

If you were given a day off work to sit down with all of those financial questions and to-do lists you’ve been putting off, would you take it? This week’s New York Times Money section features a bank that offers its employees a day off to take care of their “financial wellness.”