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- Solid financial footing
starts with smart moves.

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Let's make next year your year to thrive.

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Planning for some big life changes,

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a new job, a new home or a growing family,

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update your goals and plans
to match what's coming.

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Now, review your savings.

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Can you cover three to six months

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of expenses if life
throws you a curve ball?

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If not, make building an
emergency fund your top priority.

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Treat it like a bill

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you pay yourself consistently every month,

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set up an auto deposit
to your checking account

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and you won't have to think about it again

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until you need it.

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Next, tackle your debt.

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Look for ways to lower interest
rates or refinance loans.

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Freeing up cash now

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means more room to save and invest later.

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And don't forget your future self,

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maximize your 401k, TSP

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or other retirement plan contributions

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and maybe open an IRA for tax benefits.

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Also, make sure your insurance

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covers those who depend on you,

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and check that your investments
still fit your goals

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and risk tolerance.

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Finally, update your estate plan and will,

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life changes fast so
keep your plans current

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and before making any big money moves,

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talk to a trusted financial advisor.

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This new year, leave
bad money habits behind

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and embrace smarter, more powerful moves,

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now that's thriving.