As 2025 comes to a close, financial expert Humphrey Yang shared “3 Financial Moves You Should Make Before 2026 Hits” with his 3.4 million TikTok followers. First, max out any 401(k) match offered by an employer to secure an average of 4.8% employer contribution. Aim to save 15% of pre-tax income, including matching contributions.

Despite 401(k) match programs being like “free money,” around 34% of people fail to take full advantage. Yang advises taking advantage of this benefit before the year ends. Individuals without a 401(k) match should maximize contributions to a Roth IRA or other retirement account. The match threshold is the real must-do, as it’s pure profit.

Yang’s second recommendation for the final quarter of 2025 is to “tax-loss harvest.” This strategy involves selling a stock at a loss to offset gains from a more profitable investment. Tax-loss harvesting must be completed by December 31 to ensure tax benefits. Consult with a professional before implementing this tax strategy.

The final move suggested by Yang is to assess liquid cash on hand. Determine how much cash is readily available for emergencies by totaling cash in bank accounts and assets that can be converted within days. Aim to have a fully funded emergency fund covering three to six months of expenses to offset unexpected costs in 2026.

Read more at Yahoo Finance: 3 Key Financial Moves To Make Before 2026 Hits, According to Humphrey Yang