Overview
- Fidelity reports 64% of Americans are considering a financial resolution for 2026, up 8 percentage points from last year.
- An Allianz study finds 48% feel more financially stressed at year-end, underscoring the urgency behind money goals.
- Advisers recommend SMART goals, progress tracking and automation, with priority on eliminating high-interest credit card balances given average APRs around 21%.
- New OBBBA provisions include a tips deduction up to $25,000 before Dec. 31 with careful documentation, plus an enhanced senior deduction of $6,000 for individuals or $12,000 for couples subject to income phaseouts.
- After another 0.25-point Fed rate cut and signals of possible further easing in 2026, experts suggest locking in CDs or high-yield savings near 4% before yields slip.