Money Girl 7 ways to build wealth before December 31
Sep 23, 2026
Before December 31, make seven smart money moves to lower your tax bill, boost retirement savings, and protect valuable benefits. Topics include maximizing workplace contributions, using FSA funds, booking care before deductibles reset, completing required distributions, accelerating deductions, claiming above-the-line breaks, and redeeming expiring credit card rewards.
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Maximize Retirement Contributions Before Your Final Paycheck
- Review workplace-plan contributions and increase them before the final paycheck to capture tax savings and employer matching funds.
- Payroll changes may require one or two pay cycles; consider automatic 1% annual escalation for next year.
Use FSA Funds Before They Disappear
- Spend FSA funds before year-end or verify whether your employer offers a carryover or grace period.
- Eligible purchases include prescription glasses, sunscreen, and over-the-counter medications; unused balances can be forfeited.
Use Your Deductible Before Coverage Resets
- If you have met your deductible, schedule remaining appointments, tests, dental care, vision exams, or prescription refills before January resets coverage.
- Marketplace enrollees generally must enroll by December 15 for January 1 coverage.