As the new year picks up speed, February is a great time to revisit your budget and solidify your money habits. These financial tips for February will help you reduce unnecessary spending, make progress on debt, set aside emergency savings, and reframe your financial goals. A small reset now can set a strong pace for the rest of the year.

It’s a new financial year—time to hit refresh. “Kickstart Your Financial Year” guides you through practical steps: reviewing your budget, setting clear financial goals, optimizing taxes, and aligning investments. By making intentional adjustments now, you can build momentum and get ahead, rather than playing catch up later.

The stock market has rallied hard, and speculative rallies—especially in meme stocks—have pushed valuations into euphoria. This article argues it might be time to think about selling: capturing profits, reducing exposure to leveraged positions, and guarding against emotional decision-making. While staying invested is important, protecting gains and de-risking can help you avoid losses when the tide eventually turns.