As 2025 ends, this year-end financial wrap-up highlights how to maximize contributions, reduce taxes, and set clear financial goals for 2026.

If you have someone in your life who wants to invest better, build real wealth, or finally get clarity on what their portfolio should look like, this book makes the perfect holiday gift. How to Build Portfolios That Actually Work gives readers a real-world framework for income, growth, tax efficiency, and thematic opportunities. It is a gift that actually helps someone improve their financial future.

Thursday’s selloff was not a simple AI correction. It was a collision of phantom debt, fragile consumers, and forced de risking that hit the tape all at once. The next move could be a violent upside reversal once the selling pressure finally runs out.