BiggerPockets Money Podcast Stay on Track to FIRE With These Money Moves Before 2026
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Nov 18, 2025 As the year-end approaches, the hosts highlight crucial financial moves to secure your FIRE goals. Strategies include maximizing tax-advantaged contributions and utilizing FSA funds before they expire. Discover tax-loss harvesting to reduce bills, smart charitable giving, and rebalancing your investments for optimal performance. They emphasize the importance of preparing for 2026 by reviewing budgets, checking credit reports, and verifying beneficiaries. Plus, learn about leveraging the annual gift tax exclusion and the benefits of 529 contributions!
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Max Out Year-End Tax Accounts
- Contribute to tax-advantaged accounts before December 31st or you lose the year's contribution window.
- IRAs are an exception and can be funded until tax day, so prioritize 401(k)/HSA contributions first.
Use Your FSA Dollars
- Spend remaining FSA dollars before year-end or risk losing them unless your employer offers a rollover.
- Check fsafeds.gov for eligible items like prescriptions, glasses, dental supplies, and contact solution.
Tax-Loss Harvesting Checklist
- Harvest tax losses in taxable accounts to offset gains or up to $3,000 of ordinary income.
- Avoid triggering the wash sale rule by not buying substantially identical securities within 61 days.