To ensure a prosperous year, start by creating a spending budget for 2026. Review your credit report for errors and dispute any misinformation. Pay any quarterly estimated taxes owed if you’re self-employed to avoid penalties. Make a date with your spouse to discuss finances and consider contributing to retirement accounts before April 15th. Review beneficiaries and consider opening a 529 plan for education savings. Stay updated on Social Security COLA adjustments and take advantage of charitable giving opportunities. Max out your Health Savings Account and consider setting up a solo 401(k) plan if self-employed.

Read more at Yahoo Finance: Your personal finance to-do list for 2026, broken down month by month