Janelle Sallenave from Chime recommends setting clear money goals to stay focused on your financial future. Fall is the time to check your contributions to employer-sponsored retirement accounts, with 2025 limits at $23,500 for 401(k) and $7,000 for IRAs. Consider funding HSAs, 529 plans, and FSAs before year-end.
Review your budget and emergency fund to adapt to changing financial goals in 2026. Rebuild depleted emergency funds, pay off high-interest debt using snowball or avalanche methods, and consider using year-end bonuses for debt repayment or savings. Make charitable donations to maximize tax deductions for 2025.
Stay ahead of 2026 taxes by reviewing your income, deductions, and potential tax strategies. Assess your investments, rebalance your portfolio, and consider tax-loss harvesting. Check your credit report, update passwords, and optimize your savings and checking accounts. Discuss long-term savings strategies for clean energy vehicles and home improvements.
Plan for 2026 with a financial advisor, discuss gifting strategies, and consider charitable distributions and backdoor Roth contributions. Make small changes in spending habits, pay bills on time, and have open conversations about finances with loved ones. Stay updated on tax law changes and business provisions impacting small businesses.

Read more at Yahoo Finance: 50 Money Moves To Make Before the End of 2025