Kick-Butt Money Moves to Start 2026 Right

A Fresh Start for Your Finances

As the calendar turns to 2026, financial expert Carol Roth says the new year offers a clean slate to strengthen your money habits and protect your future. Whether you’ve fallen behind or simply want to tighten things up, a few smart resolutions now can pay off for years to come.

Start With Retirement and Free Money

One of the most impactful moves is maxing out retirement contributions — especially if your employer offers a 401(k) match. That match is essentially free money. Contribution limits rise in 2026, giving savers more room to build long-term security. Those over 50 — and especially ages 60 to 63 — may be eligible for even larger catch-up contributions.

Cut the Quiet Drains on Your Budget

Subscriptions and recurring charges can silently eat away at your finances. Reviewing a year of bank and credit card statements often reveals services you no longer use. Even modest monthly savings can add up to hundreds of dollars annually.

Renegotiate and Reclaim

From insurance premiums to internet and cell phone bills, many providers will lower rates to keep customers. A few phone calls — and a willingness to switch — can result in meaningful savings with little downside.

Get Your Family’s Financial House in Order

The new year is also a smart time to review wills, powers of attorney, insurance beneficiaries, and emergency plans. Making sure the right people have access to the right information can spare loved ones confusion and stress later.

Plan, Protect, and Hedge

Meeting with a financial planner can help align goals and risk tolerance, while considering portfolio hedges — such as alternative assets — may offer protection against long-term uncertainty. Roth emphasizes consistency over timing, using dollar-cost averaging to reduce risk.