As spring arrives, April is an ideal month for a financial reset. Two priorities stand out: reviewing your insurance coverage—life, health, auto, homeowners—to ensure it still fits your needs, and making your IRA contributions before the tax filing deadline. Even small adjustments now can pay off, helping protect your assets and build your retirement nest egg with confidence.

With income uncertainties and spending changes brought on by COVID-19, it’s crucial to adapt your budget. These five tips—building an emergency fund, using a 50/30/20 spending rule, managing credit card debt, exploring loan relief programs, and refinancing your mortgage—can help you gain financial stability in uncertain times.