List every bank, card, loan, and investment account in one place.
Turn on two-factor authentication and transaction alerts everywhere.
Pull your free credit reports at AnnualCreditReport.com and scan for errors.
Update beneficiaries on retirement accounts and insurance.
Saving and investing
Emergency fund months covered: ________ (goal: build gradually toward 3-6).
Retirement contribution rate: ________% - can it rise by 1% this year?
Check account fees and your savings account rate; the national average savings rate was 0.38% (FDIC, Oct 2026), so a low rate is a choice worth reviewing, not a fact of life.
Insurance and taxes
Health plan chosen for next year before open enrollment ends.
Withholding check using the IRS Tax Withholding Estimator at irs.gov.
FSA/HSA balances reviewed before year-end deadlines.
One page summary
Biggest win this year: ________
Biggest leak to fix: ________
One goal for next year, with a number and a date: ________
Disclaimer: This checklist is for educational and informational purposes only. It is not financial, investment, tax, or legal advice. Always do your own research and consult a qualified professional before making financial decisions. FINVYN — Make Money Make Sense.