Building an emergency fund is one of the smartest financial moves you can make to start the year strong. A solid cash cushion helps protect you from unexpected expenses and keeps short-term surprises from turning into long-term financial problems.

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

Get ahead of holiday spending with practical budgeting tips for November. Learn how to plan your purchases, use rewards wisely, and start the new year financially strong.