Your Year-End Money Checklist: 10 Steps for Financial Success

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The end of the year is the perfect time for a financial reset. Before the calendar flips, a few intentional money moves can help you save, reduce stress, and set yourself up for a stronger 2026. That’s exactly what this episode of Deeply Invested is all about.

We’ve pulled together a 10-point year-end money checklist—and you don’t need to do all of them to see results. Even one or two steps can make a meaningful difference.

Here’s what we cover in this episode:

1. Check in on your financial goals – Reflect on your progress and choose what to prioritize before year-end.

2. Max out tax-advantaged accounts – 401(k), IRA, or HSA contributions can boost wealth and lower your tax bill. Check out this year’s IRS Contribution Guidelines

3. Make an extra payment on debt – Small extra payments today speed up your payoff tomorrow.

4. Create a holiday sinking fund – Avoid the January debt hangover by planning ahead.

5. Compare your savings rate – Make sure your high-yield savings account is still competitive.

6. Review your credit report – Spot errors, catch fraud, and protect your credit score. Check yours at Annual Credit Report

7. Shop around for insurance savings – A quick check could reduce your monthly fixed costs.

8. Review your health insurance deductible – Schedule care before benefits reset in January.

9. Start the career conversation – Plant the seeds for raises and promotions in the year ahead. Check out our free Brag List 

10. Celebrate your wins – Recognize your progress and use that momentum moving into 2026.

Free Resource: We’ve created a downloadable version of this checklist so you can keep track of your progress.

After you listen, we’d love to hear from you: Which item are you tackling first? DM us on Instagram @Your.Money.Style or join our email list for more tools and resources to keep you moving forward.

If this episode helps you, please share it with a friend and leave us a rating or review—it helps more people find Deeply Invested.

Here’s to finishing the year strong and setting yourself up for success in 2026!