Money Guy Show 10 Things to Do Before 2025 Ends
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Oct 17, 2025 Take control of your finances before 2025 ends with essential tips! Discover how to maximize your employer match for free money and choose between Roth or pre-tax retirement contributions. Learn to trim down high-interest debt and assess your net worth. Explore ways to make the most of tax-free accounts like HSAs and Roth IRAs. Plus, get insights on future expenses, charitable giving strategies, and when to consider hiring a financial professional. Finish strong and step confidently into 2026!
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Cover Your Highest Deductible
- Count your cash and cover your highest insurance deductible before year-end.
- Keep 3–6 months of living expenses in interest-bearing accounts, not stagnant checking.
Capture Employer 'Free Money'
- Contribute at least enough to your workplace plan to capture the full employer match.
- Treat ESPPs and discounted purchase plans as free money and participate when beneficial.
Pick Roth Or Pre-Tax By Marginal Rate
- Choose Roth vs. pre-tax 401(k) based on your combined marginal tax rate.
- Prefer Roth if combined marginal rate <25% and pre-tax if >30%; evaluate 25–30% carefully.