> ... once you're up to speed ...

I suspect a lot of folks get tripped up during "the boring middle". It can be hard to resist the temptation to do something, anything.

I check my account balances and financial planning spreadsheet several times a week. But instead of mess with money, I try to channel that energy into modeling. "What would happen if I increase my savings rate by 5%? What if we took a year sabbatical?" Most of it goes nowhere, but I'd rather be futzing with a spreadsheet than gambling on Robinhood.