21 Money Moves Smart People Are Making Before 2026

Now that December has arrived, you likely have a year-end financial review marked on your calendar. Better block out extra time — this typically routine task is far more urgent this year.

Recent tax legislation, including the One Big Beautiful Bill Act (OBBBA), has made the process of figuring out deductions and other tax breaks much more complex.

You are also contending with a lofty stock market that is looking increasingly risky, a looming surge in health care costs and nonstop economic developments.

That all makes it especially important to take a clear-eyed look at your financial picture before the clock runs out on 2025 to ensure you’ve taken full advantage of money-saving opportunities, avoided potential tax land mines and put yourself in the best position for 2026.

Here are the steps financial advisers suggest you take now.

This post originally appeared at Kiplinger.