A simple year end tune up for real households. In a few clear steps, confirm your tax payments, capture every workplace match, decide on IRA and Roth options, make the most of HSA or FSA benefits, enroll for health coverage on time, and check whether the Saver’s Credit applies. We also touch on smart giving, using the 0% gains bracket, boosting 529 savings, and energy credits, so you start the new year organized and confident.
