It's the midpoint of the year, and financial experts say now is a good time to reassess your finances and make adjustments before 2026 ends.A recent Bankrate survey found nearly 1 in 4 Americans have no emergency savings at all, but experts say a few small changes now can help you finish the year on stronger financial footing.Matt Nawrocki, of Scottsdale, Arizona, says he is using the midyear mark as motivation."I think it's important to be able…